vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Schreiber Law LLC
State: ME

Complaint narrative:
I, XXXX XXXX, responded to a summons from Schrieber indicating that I owed on a debt. I gave Schrieber my answer to this complaint and responded with a request for a reinvestigation of debt. The information that was sent to did not coincide with the information that was requested in the reinvestigation letter. All that was sent to me was numerous old monthly statements with past due balances and credit limits. Considering I have never had a contractual agreement with this collection agency ; therefore, i am not understanding how I have s past due balance with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: OH

Complaint narrative:
I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/year>. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: OH

Complaint narrative:
I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/24. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.

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 2024-11-04 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: NE

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.

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 2024-11-04 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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 disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I have an account with XXXX  XXXX XXXX XXXX XXXX. The online banking sends emails every month on my updated credit score via XXXX. 
In XX/XX/XXXX, I saw my credit score went down about XXXX points. So I looked through my credit report and found a credit card that I have no knowledge of. This card is a Wells Fargo revolving flexible spending credit card with a limit of {$5500.00} that was opened on XX/XX/XXXX. At this time, it had a balance of {$1000.00} and was making on time payments monthly. On XX/XX/XXXX, I emailed XXXX for assistance on getting information on this credit card but they could not help me. So I contacted Wells Fargo to get more information on this credit card since it is through their company. I kept getting passed along from different departments. They could not give me any information on the account because my personal info ( name and SSN ) did not match the account. An agent told me to fax and mail a letter attn to Credit Bureau Dispute to show any activity and account information that was listed on my report. I tried to fax but the number was non existent/not working. So I sent a letter. I received a letter back from Wells Fargo basically stating they could not help me. 
In XX/XX/XXXX, I checked my credit score again and saw it went down XXXX points ( XXXX ) because of this same credit card still listed under my credit report. The current balance on this card now exceeds their limit and is at {$7100.00}. 
I called Wells Fargo again to try to get help and more information, but after I gave them my name and SSN, they do not have my personal info in any of their databases so they could not help me and said I need to go through the credit bureaus. 
So, I called XXXX and filed a dispute on this credit card. I also spoke to an agent who said that was all I could do until the dispute was resolved. They said to also file disputes with other credit bureaus ( XXXX and XXXX ) and to freeze my credit. 
On XXXX, I had an AKA name of XXXX XXXX XXXX and a phone number of ( XXXX ) XXXX. On XXXX, thats associated with my SSN, my name was listed as XXXX XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. And XXXX was XX/XX/XXXXXXXX 
On XX/XX/XXXX, I got dispute results back from XXXX, which they decided the investigation results were accurate, which I disagree with. So they advised that I start a report through this CFPB portal.

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 2024-11-04 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: WA

Complaint narrative:
15 USC 1692g ( 807 ) : False & misleading XXXX XXXX XXXX XXXX is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- XXXX  XXXX, XXXX is not licensed in the state of Washington XXXX Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in WA state .

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 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Approximately a week ago ( I dont have an exact date as I can no longer log into my account ) I chatted with a customer service representative for FIT Mastercard . I was behind on it credit card payments and was seeing what kind of programs I could qualify for to help get me back on track. She then advised I qualify for the hardship program that included making 3 payments of {$35.00} beginning XX/XX/XXXX and at the end of the 3 months ( after XX/XX/XXXX ) my account would be marked as current. I opted in to that program and all was well, or so I thought. Today, XXXX, I received a notification from the credit bureau that I have a new charge-off account. It was FIT Mastercard. I then called and spoke with a rep who I advised that I set up this hardship plan and my payment wasnt due yet ( due the XXXX ) so why would they send it to collections. He had no answers and only could apologize and advised once sent to collections there is nothing they can do. This was sneaky and highly unprofessional as I had set up a payment arrangement if you will. I am requesting someone to view the chat records and take my account out of charge-off status.

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 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I ran a credit check. It showed that I had a XXXX account that went to collections where I owed {$2200.00}. I called the XXXX customer service line. I gave them my name and Social Security number. They verified there was an account that was in collections for the mentioned amount. They told me to go to a store so they could verify my information to access the account. I went to the store. I gave them my ID. They said there was no charge under my name, even though the phone representative previously verified there were indeed charges. They asked for the account phone number, but I don't have it because it's a fraudulent account. They asked for the account PIN, which I don't have because it's a fraudulent account. This collection is on my credit report, but I can't access any of the information pertaining to the debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My late mother died in XXXX of XXXX the original loan was with XXXX XXXX XXXX at the time. The estate was finalized and placed in my brothers and myself name and the deeds at that time we changed in XX/XX/XXXX. Since then payments have been made, and there have been no issues very recently a modification option did present itself, and shortly after making the first modification payment, I received notice that the modification offer had been rescinded due to deed or title change. When reaching out to the company, they told me that I was not an authorized person on the account and they had no documentation pertaining to my mothers passing or successor and interest, and that that information had not been transferred over from XXXX XXXX XXXXXXXX to the new mortgage company Shell point ( Newrez ). Upon notice, I provided all documentation and all information needed to have my siblings and myself added as authorized persons on the account and to continue to make payments. This was done XX/XX/XXXX of XXXX as of todays date. Nothing has been fixed. I have called repeatedly and spoken to three different supervisors. I have emails to verify information has been sent. I have spoken to numerous representatives and still nothing has been. They are not accepting any payments from me. They are not providing me with any information on the account And I feel like they are trying to force us to sell the property. Today I received documentation that they are suing us for the full amount of the balance of the mortgage, but there is no communication being had with me pertaining to this account whilst another account thats with them is current and being paid from my personal account, which is also in my late mothers name. I am seeing assistance to review our options because we would like to keep the property and maintaining payment on the account and work out a payment plan for the past due amount that they would not allow me to pay.

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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I am contacting you because the Synchrony Bank PayPal MasterCard has cancelled and closed my Walgreens credit card and PayPal MasterCard accounts, leaving the balance exposed. XXXX and XXXX XXXX believe this is an error, since it is not normal for accounts cancelled and closed by the bank to have an exposed balance, since they were written off as losses. In good faith, I have tried to resolve this matter with both the credit bureau and the bank, but no one has helped me resolve this error. Today, XXXX itself provided me with this means to file a complaint, since I have made many disputes regarding this particular matter and this is affecting my credit score, which is dropping points every day. I hope that, in some way, you will take my side and help me resolve this matter, which is not allowing me to live in peace and tranquility.

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 2024-11-04 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and multiple inquiries that have appeared on my credit report as a result of a recent data breach in which my personal information was compromised. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be removed from my report immediately. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
Iam locked out of my account when I was making withdrawals there was plenty of money in my account i tried contacting them my o hone nuber changed i sent them emails my ca drivers license my photo I have sent everything they asked for they keep se n ding me codes nothing is working 10bdays this has been going on and they don't call me I c a nt call them my phone number is not recognized this is the worst on l ine bank I have ever dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am truly shocked and disheartened. As a law-abiding citizen, its deeply upsetting to have my rights as a consumer disregarded. My credit report contains items resulting from fraudulent activity, from which I received no benefit. Despite already reporting this issue to the Federal Trade Commission, these items remain on my report, causing me significant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
A company called transworld services pops up in my collections, I have no recollection of dealing wi the such entity. In the remarks its states natural disaster, which I, myself am unaware of. This wasnt any type of prior account. It just popped up in collections.

Company response to consumer: Closed with explanation