vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-28 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I applied for a job at XXXX XXXX XXXX in XXXX XXXX. I only attended ONE paid 8-hour training and all uniforms owed to that company were returned to the XXXX XXXX XXXX XXXX 

On XX/XX/year>, a debt collection company called TSI - Transworld Systems Inc in XXXX XXXX  PA, representing the XXXX XXXX office, sent me a debt collection letter for {$500.00}. 

How can I owe {$500.00}, if I only attended ONE paid 8-hour training and NEVER took an assigned position because I accepted another opportunity from an outside agency? 

The company representing XXXX is : TSI - Transworld Systems Inc. 
XXXX Virginia XXXX, XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX M-F XXXX to XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
Company reporting charge off account month to month with balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ongoing identity theft following a stolen laptop. A fraudulent credit check from an application for a XXXX XXXX card was made and showed up on my Experian report which I was alerted to by my credit card company. I tried contacting Experian multiple times to access my report and place a freeze and fraud alert. Every attempt at online login was met with a message saying they could not verify my identity online and required me to call. I've since called daily for the last two weeks and every time I am referred back to the website to deal with my login issues. The website only refers me to call the phone and the phone is automated and only refers me to the website. I'm dealing with ongoing fraudulent activity on my report and Experian is completely avoidant and unable to be reached. I can't see how this is legal.

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 2024-12-28 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:
Saturday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Subject property : XXXX XXXX XXXX XXXX CA XXXX To Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, XXXX CC : CFPB I authorized any Government agency sharing information in this matter. 

Subject : Request for Assistance Regarding Home Sale and Fraudulent Activities Dear Shellpoint mortgage servicing : I am writing to express my concern regarding the status of my home, which was listed for sale on XX/XX/year>, and again on XX/XX/year>. As of XX/XX/year>, the status has reverted back to the beneficiary, indicating that the sale is marked as completed. However, I have not received any communication from the servicer about the outcome, leaving me with considerable uncertainty. I have observed that this particular servicer often delays action until there is a potential benefit, which raises my concern that I might face eviction without warning. 

I strongly believe that my home did not sell, as the beneficiary 's actions remain questionable. 

To provide some background : on XX/XX/year>, a fraudulent substitution of trustee was recorded to initiate foreclosure proceedings. Despite my numerous attempts to clarify this matter, I have been unable to obtain satisfactory responses from the servicer or their attorneys.

After filing complaints with the CFPB and DFPI, I received a partial response from the servicer, which failed to address the fraud allegations. This lack of acknowledgment is troubling and seems like a strategy to divert attention away from the fraudulent activities. Additionally, their documentation inaccurately states the recorded date of the substitution of trustee as XX/XX/year>, when it is, in fact, XX/XX/year>. 

Beyond the fraudulent substitution of trustee, I have been attempting for over 11 years to hold Shellpoint and XXXX XXXX XXXXXXXX accountable for fraudulent principal adjustments made to this account. I can provide further information and supporting documentation if needed. 

There have been numerous fraudulent transactions involving XXXX, XXXX XXXX XXXX XXXXXXXX, and Shellpoint that need to be addressed. I am hopeful that the government can assist in seeking justice for this situation. Although I have sought help in the past without success, I am not losing hope. 

In summary, I am seeking clarity and peace of mind regarding the status of my home. Although I have been told that it has sold, public records do not support this claim. Can you assist me in unraveling this matter? 

Thank you for your attention to this important issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX -- - Feel free to customize any part of this letter as needed!

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request that the following account be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and as a result, this account was opened without my authorization.

Account Details : XXXX XXXX XXXX XXXX Account Number : XXXX ( last digits omitted for security ) Date Opened : XX/XX/year> Balance : {$1900.00}

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was tricked into getting a TJMax card by a store clerk. At no time, upon receiving the card was there an explanation of required monthly fees. Only that if I did not use the card within 6mos. it would be automatically canceled. I am now getting late payment statements with the threat of being reported to credit bureaus for nonpayment. They have been charging the card with {$2.00} maintenance fees and late payment charges of over {$40.00}. 

I consider these actions as deceptive consumer practices. 

I will be calling Synchrony Bank to cancel the card on XX/XX/year>. I don't know if they will erase these charges, but they are a consumer rip off. Public should be made aware of this.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax for their mishandling of my case, non-compliance with federal regulations, and failure to properly process my documentation under the XXXX XXXX consumer protection laws. 

On XX/XX/year>, I submitted a complaint to Equifax, including all required supporting documentation, through their upload portal.On XX/XX/XXXX, I submitted a complaint via the CFPB complaint system, including the same documentation that was sent to Equifax. Despite my full compliance, Equifax has claimed they have not received the documentation, which is false and misleading. This failure has caused unnecessary delays and exacerbated my distress. 

Additionally, Equifax has misrepresented the status of my case. They sent emails to me stating the complaint is closed, while the CFPB records still indicate the case remains unresolved. This contradictory information creates confusion, undermines my ability to resolve the issue, and reflects a lack of due diligence and integrity on their part. 

I am asserting my rights under the " XXXX XXXX Prevention Act, '' which provides additional protections to XXXX XXXX XXXX XXXX Equifaxs actions violate provisions outlined under this law, specifically regarding the handling and timely processing of documentation required to suppress adverse credit information resulting from trafficking. 

I demand the following actions immediately : Equifax must formally acknowledge receipt of my documentation and cease claims to the contrary. 

Equifax must resolve and close my complaint within the CFPB system and provide written confirmation of the resolution. 

Equifax must comply with all legal obligations under XXXX XXXX consumer laws to address and remove adverse credit information without delay. 

Failure to comply with these demands may result in additional legal action, including seeking enforcement through the Federal Trade Commission ( FTC ) and pursuing penalties under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. Furthermore, I reserve the right to seek damages and injunctive relief for any harm caused by Equifaxs non-compliance and negligence.

I request the CFPB to investigate Equifaxs mishandling of my complaint and documentation and to take appropriate enforcement actions to ensure compliance with consumer protection laws.

Please let me know if you require any additional information regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$300.00}. I have no knowledge of this debt.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, XXXX, Transunion ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, Equifax, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( Experian, XXXX, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.

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 2024-12-28 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX has charged off or Write off a Debt So it no longer 's appear on the company 's balance sheet. This has to have been reported to the IRS. XXXX XXXX XXXX XXXX XXXX refused to provide consumer with a 1099C cancellation of debt form We should be provided seeing that the debt was more than {$600.00}. Currently consumer is in court on the same debt that was discharge off by XXXX XXXX XXXX XXXX XXXX being asked for monies by law firm XXXX XXXX XXXX When the debt is already charged off written off and should have been reported to the IRS because it is reported on consumers credit report which is protected by the FCRA. Consumer is requesting all 1099-C to be male to his current address.,

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has charged off or Write off a Debt So it no longer 's appear on the company 's balance sheet. This has to have been reported to the IRS. XXXX XXXX XXXX XXXX XXXX refused to provide consumer with a 1099C cancellation of debt form We should be provided seeing that the debt was more than {$600.00}. Currently consumer is in court on the same debt that was discharge off by XXXX XXXX XXXX XXXX XXXX being asked for monies by law firm XXXX XXXX XXXX When the debt is already charged off written off and should have been reported to the IRS because it is reported on consumers credit report which is protected by the FCRA. Consumer is requesting all 1099-C to be male to his current address.,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has charged off or Write off a Debt So it no longer 's appear on the company 's balance sheet. This has to have been reported to the IRS. XXXX XXXX XXXX XXXX XXXX refused to provide consumer with a 1099C cancellation of debt form We should be provided seeing that the debt was more than {$600.00}. Currently consumer is in court on the same debt that was discharge off by XXXX XXXX XXXX XXXX XXXX being asked for monies by law firm XXXX XXXX XXXX When the debt is already charged off written off and should have been reported to the IRS because it is reported on consumers credit report which is protected by the FCRA. Consumer is requesting all 1099-C to be male to his current address.,

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 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On Friday, XX/XX/XXXX, at approximately XXXXXXXX XXXX CST, a friend of mine posted a list of items for sale on her XXXX page. I messaged her with questions about two of the items, to which she replied. She added that the two items belonged to her sister-in-law and provided me with what was claimed to be her sister-in-law 's Zelle e-mail address and XXXX XXXX XXXX XXXX XXXX telephone number to each of which I sent payments I later learned that my friends XXXX account had been hacked and that the whole list of items for sale was a scam as was the e-mail address and the telephone number to which I sent my payments. 

Since they had hacked her XXXX account, the scammers had a lot of information about my friend and while we were messaging each other on XXXX, the scammers provided information that she had told me earlier in the week. Hence I thought the list of items for sale was legitimate. 

The Lesson Learned is that before anyone sends any funds through any online payment application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zelle, XXXX XXXX to verify the identity of the individual through a different channel ( i.e. phone call, text message, or e-mail ).

Company response to consumer: Closed with explanation