vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My mortgage was transferred to RoundPoint on XX/XX/XXXX. However, I was not notified in or provided with the required information to ensure a smooth transition of service. Specifically, Failure to Receive Notice of Servicing Transfer : I did not receive the required 15-day notification from either my previous servicer or RoundPoint, as required by RESPA ( 12 CFR 1024.33 ( b ) ).

Because of this, I was unaware that RoundPoint had taken over servicing of my mortgage until I discovered an unexpected drop in my credit score due to missed payments related to the lack of communication. 

RoundPoint states they sent a welcome letter on XX/XX/XXXX and subsequent letters between then and XXXX. These alleged letters where never received. They also stated they made phone call attempts " but were unable to reach '' me. 

It was not until I received an XXXX  notification of a delinquent account that I was able to determine my mortgage had be sold. I immediately called the company and paid the balance in full ( XXXX and XXXX ) and for the next month ( XXXX ). 

My credit score has been negatively impacted as a direct result of RoundPoints failure to notify me and provide necessary loan account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-01-07 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report 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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened : I recently discovered a Bank of America credit card account that was opened approximately 45 years ago under my name. I did not authorize or apply for this account, and I have no knowledge of who opened it. I have never used this card or received statements related to it. 

Actions Ive taken : I contacted Bank of America to report the issue and requested details about the accounts origin, including how it was opened and any supporting documentation ( e.g., signed application ). 
I asked Bank of America to investigate and close the account since it was opened without my authorization. 
I checked my credit reports and confirmed that this unauthorized account has been listed under my name for several years, which may have negatively impacted my credit.

Companys response : Bank of America has not provided sufficient information or resolution regarding this issue. The account remains active under my credit profile despite my request to have it removed.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Affirm information is incorrect. All information has been sent to credit reporting agencies and a firm. This includes providing documentation of my identity which they have asked for multiple times and it has been sent certified mail as well as uploaded into their systems. 

XXXX XXXX XXXX XXXXXXXX. XXXX XXXX - XXXX incorrect or outdated information on a credit report. 
- Failing to use reasonable procedures to ensure maximum possible accuracy. * ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to Reinvestigate Disputes** - Not investigating a consumers dispute within 30 days ( or 45 days if additional information is provided ). 
- Failing to correct or delete inaccurate or unverifiable information after a reinvestigation. * ( Section 611, 15 U.S.C. 1681i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting Errors After Disputes** - Data furnishers ( e.g., creditors ) reporting incorrect information after being notified of a dispute. * ( Section 623, 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Failure to Notify of Disputes** - Credit bureaus failing to notify creditors or furnishers that the consumer has disputed information. * ( Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inclusion of Obsolete Information** - Reporting negative information that is too old : - Most items : 7 years. 
- XXXX  : 10 years. * ( Section 605 ( a ), 15 U.S.C. 1681c ) * XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized Access** - Providing credit reports to unauthorized parties ( e.g., without a permissible purpose ). * ( Section 604, 15 U.S.C. 1681b ) * XXXX XXXX XXXX XXXX XXXX XXXX7. Lack of Proper Notifications** - Failing to notify consumers about : - Denials of credit, insurance, or employment due to a credit report. * ( Section 615 ( a ) ) * - Their right to request a free annual credit report or dispute errors. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Willful or Negligent Noncompliance** - Willfully or negligently violating any FCRA provision. 
* ( Section 616 - Willful ; Section 617 - Negligent, 15 U.S.C. 1681n and 1681o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX9. Failure to Provide Consumer Disclosure** - Not providing consumers with their full credit file or failing to disclose the sources of information upon request. * ( Section 609, 15 U.S.C. 1681g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Misleading or Inadequate Reporting** - Mixing credit files of two individuals ( e.g., similar names or SSNs ).

- Failing to provide clear explanations of credit scores or factors affecting them.

Violations- These violations could result in liability for actual damages, statutory damages, punitive damages, and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
This is a case of stolen identity. This is a fraud case of someone stealing my social security and using my information to purchase or open accounts using my identity, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
A copied check was written in the amount of {$12000.00} and made payable to a non existing company in Texas and signature was not related in anyway to me, the checking account holder. A different name was used entirely. It was cashed by another Bank ( XXXX XXXX XXXX and approved by my bank, XXXX XXXX. I reported it to XXXX bank and filled-out an affidavit and reported it to XXXX XXXX Police XXXX Report # XXXX Badge # XXXX. 
Sandy Spring Bank Manager XXXX XXXX said they refuse to investigate the case and will provide no information other than a copy of both sides of the fraud check. All checks for {$10000.00} or more are supposed to be screened thoroughly by banks for fraud which was not done for this check. I have been banking there over a decade and the only signer on both of my accounts there. XXXXXXXX XXXX also would not divulge the identity of the branch the check was cashed at. Most checks have to sit in an account until the money is made available but I was told it was cashed by local XXXXXXXX XXXX  based on the coding numbers on the back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
These company called : 'coinbase ' they provide access to cryptocurrencies, to buy/sell transfer, they also got an app called coinbase wallet. that you can create a wallet and make transactions, in their coinbase wallet app. 

XX/XX/year> XXXX I did a swap between cryptocurrencies, named XXXX  to an XXXX token for the amount of {$1100.00} plus fee {$25.00} that can be seen in the web by : etherscan.com after the swap, the funds were reduce by {$450.00} what they called secured transactions. Those funds are currently floating around however I can't to nothing about it, they're frozen I can't get access. 

I've been trying to contact them I did a claim with them but they response once and close the case without doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX, Account # : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: UT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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