vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2021-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I emailed Shellpoint Mortgage Servicing/New Rez LLC of outstanding property tax bills I received that were due in XXXX. This was for the loan portfolio XXXX XXXX, XXXX. This email went to the loan servicing email which they recommend using as well as my assigned contact XXXX XXXX, and XXXX XXXX a supervisor who has helped me in the past with other issues I have had. 

On XX/XX/XXXX I emailed the same people as well as managers, XXXX XXXX and XXXX XXXX to notify them of property tax bills that were imminently due. I also emailed XXXX XXXX and XXXX XXXX, my contacts at XXXX XXXX XXXX who hold the loan and are responsible for transferring the servicing of my loans ( even though everything was perfectly fine with XXXX ) regarding my concerns. To give a little background, I have had a number of issues since Shellpoint took over the servicing of my loans last year and have been emailing them for continued assistance as you will see in the email chain I have attached. 
Communications regarding these outstanding property taxes have been ongoing with all parties since XX/XX/XXXX when the last email I received stated the issue was being escalated. Needless to say, nothing was done and I received a " Statement of Delinquent Taxes '' this week for two of my properties ( attached ) which now includes hundreds of dollars in late fees. I have also not received refunds for the late fees they paid out of my escrow account for other property tax bills they paid late. I can't imagine this is legal! 
This whole process has been very stressful for me and I need a resolution to ensure this will not be an ongoing problem. I can not keep spending my time trying to get Shellpoint to do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Ive been a loyal chime customer for quite some time but recently they sent me a two day notice that they would be closing my account. Now theyre has been no fraud in my account of any sort, my sister died a few days ago and I need my account but instead they are closing my account. When emailing and calling Chime no one could give me any reason on why my account is suddenly being closed which is ridiculous. I mean literally the support person told me for security reasons she couldnt tell me why my account was being closed but yet my account is being closed. Chime is a joke, please dont bank with them. I hear they are randomly closing a lot of accounts and oh its system generated so you have absolutely no control on trying to get it to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
This involves two significant issues with paypal : XXXX ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the XXXX and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. 

XXXX ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX, who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from ancestry but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled ancestry charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by ancestry. In no case were they authorized to withdraw money from this or any other bank account. 

I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX, in XXXX XXXX, California, in XXXX of XXXX. I turned in the car early on the lease to XXXX XXXX XXXX in XXXX, California and leased a new XXXX XXXX. I was told by XXXX XXXX XXXX sales staff that my XXXX account with Hyundai Finance would be closed with the new lease. 

It was not and my credit and my mothers credit has been ruined. XXXX XXXX XXXX was desperate to make this sale and lied to me accordingly. 

I called Hyundai Finance on XX/XX/XXXX to try and resolve this. I spoke to XXXX, XXXX, XXXX, and XXXX XXXX. No one was willing to help me. 

I filed disputes with the XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX  denied my dispute. 

It is so wrong that my credit has been destroyed because of a misunderstanding or misrepresentation over {$160.00}. Please help me CFPB. 

As for the public, do not trust 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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. 

I have added initial fraud alerts to my consumer reports. 

I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''.

However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. 

As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. 

This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. 

If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. 

At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. 

The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Two Synchrony Bank account were disputed through XXXX on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my XXXX credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from Synchrony Bank. 

The original, correct reported information before my dispute showed the account was charged off by Synchrony Bank and reflected on XXXXXXXX  credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through XXXX  was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points. 

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information Synchrony Bank furnished to XXXX  and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit scoXXXX and caused various amounts of undue stress to me and my family.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.

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 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/2020 charges started coming from cash app. These were not authorized transactions. Total lose {$14000.00}. We have canceled the debit card used, notified our bank. But have been unable to contact cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
My personal information was exposed in Equifax 2017 Data Breach. I checked my Equifax credit report and I see fraudulent inquiries. Equifax has not removed these inquiries after sending numerous dispute letters to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
we asked to get our paynent differed because of covid 19. unfortunately they were reporting to the baeuru as a late 30 day. I tried so many time to dispute it but always closed doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account XXXX You are still reporting this trade line. You have mentioned on the current trade line with Experian that the date of last payment was made XX/XX/2014, therefore, not XXXX other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be 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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Two XXXX XXXX  account were disputed through Experian on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my Experian credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from XXXX XXXX. 

The original, correct reported information before my dispute showed the account was charged off by XXXX XXXX  and reflected on Experian/XXXX/XXXX credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through Experian was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points.

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information XXXX XXXX  furnished to Experian and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit score and caused various amounts of undue stress to me and my family.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SinglePoint GI
State: VA

Complaint narrative:
according to my credit report, General Revenue Corporation ( GRC ) has stated on my credit report through the Consumer Financial Protection Bureau, that I settled this debt for a lesser amount. That is not " TRUE ''. This company has engaged in deceptive practices. XXXX XXXX University told me what was due based on my student loan. The bill was paid. see attached. Now GRC wants to put on my credit report that I settled this debt for a lesser amount. 
GRC can not think that reporting misinformation about a consumer credit report, is with the Guide Lines of the Fair Credit Reporting Act. Fair Credit Reporting Act, requires that all information must be accurate. It is my understanding from XXXX XXXX that they have tried to reach out to GRC but no reply. See Attached Lastly, GRC has failed to mention that I responded back to them within their 30-day time frame back in XXXX, letting them know that it was not a valid debt, that they had received. I never heard anything from them.

Company response to consumer: Closed with explanation