vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I have been working with face servicing for the past four months on loss mitigation options to avoid foreclosure.

They offered a unaffordable modification in which my term was shortened and payment was increased from XXXX to XXXX. Since this option was unaffordable and setting me up for failure, we requested a non-retention option of a Shortsale.

My account manager at Fay stated I would need to submit a letter in writing that we were declining the modification and requesting a Shortsale. We complied and sent a letter rejecting the unaffordable modification and requested a Shortsale.

Fay servicing sent us a letter, approving us to participate in the Shortsale program on multiple occasions and sent a company to our home to complete a broker price opinion to determine equity. We listed the property found a buyer provided all the documentation, including a preliminary HUD and waited for approval. 

Initially, our paperwork got mixed up with another homeowner and we were told we were approved for the Shortsale. However, the process dragged on for several months, and we got blindsided by their attorney, filing a writ for a sheriff sale in the middle of of short sale application. We were told the Investor changed their mind and would rather foreclose. Clearly this dual tracking is a continual problem with Fay Servicing as the 2nd CFPB lawsuit has been in the news.

We also have been told the loan was sold, but have never received our 404 request in writing stating who the investor is and who would get paid if we were to sell the home.

Oh for five years, I have tried to sell the home, however, due to clouded title another reason why their last sheriff sale got vacated and failed. We were unable to sell the home. Fay Servicing collects money for the 2nd lien holder and are in 2nd position. This is due to an arrow, Washington mutual our original mortgage holder made by not paying off the HELOC as as they promised they would during a refinance. I have also requested a copy of the subordination agreement from Fay servicing that we were billed for on our HUD when we refinanced, however they have failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX {$580.00} XXXX  XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$580.00} XXXX XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
dismissed bankruptsy too many errors causing major problems delete off my account XXXX  has deleted

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past XXXX  years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX  years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past XXXX years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has deleted my student loan cause way too many errors on the amount due when the loan was opened and several other issues with the amount due I would like this removed off my credit ... Its causing a major problem in my life and it is impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has deleted my student loan cause way too many errors on the amount due when the loan was opened and several other issues with the amount due I would like this removed off my credit ... Its causing a major problem in my life and it is impacting my 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 2024-09-23 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'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately 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 non-monetary relief
Consumer complaint received 2024-09-23 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: North American Credit Services
State: FL

Complaint narrative:
15 USC 1681 Governs access to the consumer credit report, records and promotes accuracy fairness and privacy of personal information. assembled by credit reporting my information was exposed to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute - Inaccurate Personal Information on My Credit File Dear Sir/Madam , I am writing to formally dispute inaccurate personal information that I have identified on my credit report with your agency. My personal information was recently compromised in the massive XXXX XXXX XXXX breach that occurred in the United States, where XXXX XXXX consumers ' information was leaked and sold. Upon reviewing my credit report, I discovered several inaccuracies in the personal information section, including non-mailable addresses and names that do not belong to me. 

Additionally, upon checking the XXXX XXXX XXXX XXXX site, it was determined that my information was indeed leaked and sold. I have attached a screenshot from the site as evidence. 

Below is a list of the inaccurate personal information that I am disputing and requesting to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have also attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 
I am demanding that these inaccurate personal details be deleted from my credit report immediately. I further request that you notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the corrections have been made. 

Please treat this matter with the utmost urgency and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report, Screenshot from 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 2024-09-23 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: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XXXX XXXX, 2024, disputing a debt claim made by XXXX XXXX XXXX regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. Despite my requests, XXXX XXXX XXXX and Equifax have failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : 1. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
2. Insufficient Account History : The documentation provided does not include a detailed account history showing the transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
XXXX. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX XXXX to XXXX XXXX XXXX. 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of estoppel by silence, assuming that no proof of the alleged debt exists. 

My Demands : 1. Immediate cessation of all collection activities until the debt is properly validated. 
2. Immediate removal of the inaccurate information from my credit report. 
3. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and TransUnion I previously submitted a formal complaint on XX/XX/XXXX, concerning the unauthorized and inaccurate reporting by XXXX XXXX on my credit report and the subsequent denial of my fraud block request by TransUnion. Despite my repeated requests, TransUnion has declined to take appropriate action, and the inaccurate information remains on my report. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information within 4 business days of receiving a valid request. It has been over 30 days since my original notification on XX/XX/XXXXXXXX XXXX XXXX and both XXXX XXXX and TransUnion have failed to provide the necessary documentation to validate the alleged debt. 

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to denials of credit or unfavorable financial terms.

Emotional distress : Resulting from the inaccurate information on my credit report.

Financial harm : Due to credit denials and higher interest rates.

I request the immediate removal of the inaccurate information from my credit report. If the information is not removed, I will be forced to pursue legal action to recover damages, including statutory and punitive damages, along with attorneys fees. 

Additionally, I invoke Estoppel by Silence, as neither XXXX XXXX nor TransUnion has provided the required evidence within the necessary timeframe. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies under 15 U.S. Code 1681n.

I look forward to your swift 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 non-monetary relief
Consumer complaint received 2024-09-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

Capital One Acct : XXXX Reporting 120 days late Capital One : XXXX Reporting 60 days late I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non- compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: WY

Complaint narrative:
Complaint name : XXXX XXXX XXXX complaint dobXXXX complaint ss # XXXX contents of complaint.This cfpb complaint has been filed pursuant to XXXX XXXX that you transunion, experian, equifax credit reporting agencys block delete information that is a result of idenity theft and fraud within XXXX business days of you receiving this complaint.There is XXXX fraudulent inaccurate accounts : # XXXX XXXX XXXX  acount # XXXX balance of {$63.00} opened fraudulently on XX/XX/year> # XXXX. grain acount # XXXX and # XXXX XXXX XXXX XXXX XXXX acount XXXX balance {$500.00} # XXXX XXXX XXXX  acount # XXXX balance {$1400.00} # XXXX. XXXX XXXX  acount # XXXX balance {$26000.00} these accounts was not opened made or initiated by me.i am attaching the FTC report # XXXX as proof.delete the aforementioned accounts within XXXX business days or I am filing a lawsuit and demanding {$1000.00} per violation of my federally protected rights under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are the result of idenity theft/data breach.

Company response to consumer: Closed with explanation