vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All credit agencies ( XXXX, Transunion, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Yes Online Inc
State: FL

Complaint narrative:
All credit agencies ( XXXX, XXXX, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-21 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I just received an alert today from credit reporting companies that I have a late payment from Affirm. I have not used affirm and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
I recently reviewed my credit report and identified several billing errors that violate 15 U.S. Code 1666 ( b ) regarding billing inaccuracies, specifically : ( 4 ) Failure to accurately reflect payments made by the obligor or credits issued.

( 5 ) Errors in computation or other accounting inaccuracies.

Additionally, per 15 U.S. Code 1666b, creditors can not consider a payment late unless a periodic statement is sent at least 21 days prior to the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
I recently reviewed my credit report and identified several billing errors that violate 15 U.S. Code 1666 ( b ) regarding billing inaccuracies, specifically : ( 4 ) Failure to accurately reflect payments made by the obligor or credits issued.

( 5 ) Errors in computation or other accounting inaccuracies.

Additionally, per 15 U.S. Code 1666b, creditors can not consider a payment late unless a periodic statement is sent at least 21 days prior to the due date.

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 2024-10-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alperstein and Associates, LLC
State: WA

Complaint narrative:
I would like to report this company Alperstein & Associates as a Debt Settlement scam that has PAID THEMSELVES, INSTEAD OF MY CREDITORS. 
They have done this by making a {$5.00} - {$25.00} payment to a company to settle, which according to their contract after the first payment to creditor, allows them to start collecting their 29 % fee ( on the GROSS owed ). Though they are supposed to be paying the creditor proportionately to themselves, they have taken all of their money upfront and have told me I don't have enough money in my account to pay settlements ( because they paid themselves first ), and that now they have to make a new settlement ( and charge a new fee for even more money paid to them ). 

To date, Alperstein & Associates has taken {$680000.00} of my money. 
They have PAID THEMSELVES {$5700.00} plus {$200.00} in other fees My creditors have been paid only {$110.00}. ( Statement and documented proof available ) Future scheduled payments through XX/XX/XXXX, show Alperstein PAYING THEMSELVES {$7900.00}, and my creditors only {$570.00}. ( Statement and documented proof available ) A settlement for {$1500.00} to one of my creditors was cancelled saying " I didn't have enough money in my account '' ( because they PAID THEMSELVES FIRST ). 

XXXX XXXX, I wrote numerous emails & called their customer service center, the local Alperstein Attorney, and the Paralegal, inquiring why they were taking so much money out of my global account & labeled with names I did not know. Future payments showed no creditor names associated with the withdrawals, just " Legal Fees ''. I got pushed back to customer service with long hold times ( up to 45 min ), who spoke broken XXXX, could not understand questions I asked, and some even made up answers that were simply not true. 

As of XX/XX/XXXX, I still do not have answers to my inquiry and questions. The local Attorney XXXX XXXX from Alperstein & Associates handling my account, has replied he is " checking in to it '', and again, " does not have an update, and will " circle back as soon as he is able ''. 

I was told not to contact or answer the credit collection calls as it would " impede their progress. '' The only progress has been Alpersteins taking my money for themselves! 

These people are definitely scammers who claim they are part of the XXXX XXXX XXXX program, then tell you that you are qualified for a loan with a place called XXXX XXXX, then move you over to a " better '' settlement plan. It is all a scam and they have taken {$6800.00} of my money and only paid my creditors {$110.00}, and only contacting a select few.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: MI

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 XXXX, Experian, and XXXX data breach.

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 2024-10-21 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: NJ

Complaint narrative:
I just received an alert today from credit reporting companies that I have a late payment from XXXX. I have not used XXXX  and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-10-21 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: NC

Complaint narrative:
Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I purchased a home in Washington DC in XX/XX/XXXX. In XXXX of XXXX, I called Shellpoint Mortgage Servicing to discuss the option of missing the XX/XX/XXXX payment due to some unexpected financial responsibilities. The options I was thinking of were possibly splitting up the payment over the next XXXX payments, or possibly adding another payment onto the end of the loan. But I wasn't sure what options were available to me.

When I called, I was told my payment was going up from {$2600.00} to {$4400.00} due to a significant increase in property taxes. I called DC Office of Tax and Revenue and they suggested I call the DC Department of Buildings. The Department of Buildings told me that they incorrectly categorized our home as " vacant '' and would fix the issue immediately. 2 weeks later the Office of Tax and Revenue said they had a check ready to send back to Shellpoint. They told me Shellpoint had to request the check be sent back to them. 

In the beginning of XX/XX/XXXX I called Shellpoint and let them know the check was ready. They said they would get the check back from the XXXX XXXX XXXX and XXXX and that we could figure out how to make up the XXXX payment after the tax issue is resolved.

After this Shellpoint took months to request to check back from the Office of Tax and Revenue. I would call a couple times a month and they still hadn't requested it. They finally requested it in XXXX of XXXX and did not credit it to my account until XXXX. In XX/XX/XXXX Shellpoint credited my escrow account for {$11000.00}, the amount they received back from the Office of Tax and Revenue. Supposedly my payments went back down to {$2700.00} beginning in XX/XX/XXXX. 

I have made a mortgage payment of at least {$2600.00} every month other than XX/XX/XXXX. I have also paid an extra {$790.00} since then as well. According to a XX/XX/XXXX letter from Shellpoint I would need to pay {$18000.00} to bring my loan current. I am not sure how they got to this number considering I make a payment every month ( other than XX/XX/XXXX ). 

According to Shellpoint, my last mortgage payment was in XXXX ; however, according to my XXXX, the payment has come out every month. I believe Shellpoint might be receiving my checks but not cashing them. Also, when I sign into my Shellpoint portal, the monthly payment amount still shows as {$4400.00}. 

Shellpoint has offered my a mortgage modification. I have asked them to send me a copy of the mortgage agreement, so I can better understand the terms. However, they still haven't done so. I would like to bring the loan current, but I don't understand how the amount could be {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XXXX XXXX XXXX my bank account at DCU, XXXXXXXX XXXX was hacked and {$11000.00} was fraudulently withdrawn from DCU branches in Arizona. Monday XX/XX/year> I called and reported this fraudulent activity to the fraud department of DCU at the contact number XXXX XXXX. I was told that they had 10 days to investigate the claim. I was contacted by the fraud department approxitmately 10 days later and was told that it was a case of fraud and that they would be reimbursing my account. To date I have not received any reimbursement nor provisional credit in my account. Upon inquiring DCU about the status of my claim a DCU representative responed that DCU has 90 days to settle this fraud case. I dont think this is correct.

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 2024-10-21 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: IN

Complaint narrative:
FINAL NOTICE! As the final step in this dispute process, I am demanding the immediate resolution of the issues on my credit report. Your continued failure to address my disputes is a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IN

Complaint narrative:
FINAL NOTICE! As the final step in this dispute process, I am demanding the immediate resolution of the issues on my credit report. Your continued failure to address my disputes is a direct violation of federal law.

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