vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: FL

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 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 2024-02-21 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern, On numerous occasions I have sent letter 1 and Letter 2 to LEXISNEXIS, asking them to disclose their method of verification on the alleged bankruptcies you are reporting. You then replied to me with enclosed letter claiming that the bankruptcy was verified by LexisNexisXXXX XXXX XXXX Appalled by that information, I went directly to LexisNexisXXXX XXXX response to my inquiry they claim to never have verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. I am aware, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. I have enclosed their letters and mine, verifying the attempts to reach out to LexisNexis and no response. Please DELETE these items from my credit reports as it is NOT verified! Please send me an updated copy of my credit report once the bankruptcies has been DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Starting XX/XX/year> and XX/XX/year> various XXXX, XXXX transactions were made to a platform called XXXX XXXX. I came to know later that the platform XXXX XXXX was a fraudulent platform and I lost all the funds related to the platform. I believe crypto.com did not conduct its fiduciary responsibility of warning me as customer that the funds were being sent to a wallet address that was fraudulent. I have lost XXXX USD as a result of these transactions being sent to a wrong platform. I am attaching the XXXX and FTC report related to this scam and would be happy to provide any details related to these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  received four commercial mortgages from XXXX XXXX XXXX on XX/XX/XXXX. XXXX mortgage was sold. I am a Member of this XXXX company. XXXX XXXX XXXX loan servicing company was XXXX XXXX. Which service only three of XXXX XXXX XXXX. The other loan servicer was XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX SHELLPOINT became the new loan servicer. They sent out paperwork ; that was completed incorrectly by my assistance XXXX XXXX, with the help of one of SHELLPOINT customers service reps. My assistance filled out the documents incorrectly, by adding my personal social security number to the paperwork. When i reviewed the paperwork submitted. I called SHELLPOINT and told them not to use my personal security number. Only the business EIN was to be used. I fired my assistance. I told SHELLPOINT i am not a co-signer or personally guarantee of this business loan. I contact my attorney right away. My attorney said that the paperwork ; that was completed. Was not for this type of loan. I found out on XX/XX/XXXX ; that SHELLPOINT used my personal security number. They reported to XXXX, XXXX and XXXX mortgages I did not own or jointly sign for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to address a late payment entry that has appeared on my credit report. I recently discovered this entry and would like to request its removal 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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
All XXXX Credit scores are in the XXXX with XXXX late payments or outstanding debt. I received a notification this morning through XXXX saying Jefferson Capital System sent a XXXX account to collections for {$170.00}. This was on my XXXX report which caused it to tank over XXXX points. 

I have never heard of Jefferson Capital, have not received any bills from XXXX, and have not been a XXXX customer for over 20 years ( with proof of current cell carriers ). This is completely fraudulent debt. 

Reading the reviews, Jefferson Capital has thousands of similar complaints. They either try to collect debt beyond SOLs, use unethical collections practices, or fraudulently try to collect invalid debt. Im considering contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems reported this 'debt ' to the credit bureaus before getting in contact with me by phone, email or mail. They claim that I owe XXXX a property that I lived at 3 years ago, money even though I moved out in good standing. I have my final account statement from the property management group that managed XXXX during the entirety of my tenancy ( XXXX ). This account statement shows that I owe {$0.00} as of XX/XX/2021, 4 months after my move out date. Transworld Systems did eventually send me their 'proof of debt ', but it is from XXXX XXXX ( the group that currently manages the property but was not managing the property while I lived there ) and it shows that I owe {$400.00}. If you compare this with the final account statement that's attached, you can see that this was not the final account balance, but my balance as of XX/XX/2021. I do not owe XXXX  or this debt collector any money. Transworld Systems must close this account immediately and remove the collection notice from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within XXXX and Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Months back after coming out of loan deferral due to covid my loan was sold and for a number of reasons I did not get the new information to start paying. Once I found out my loan was in default I immediately started working with NewRez/Shellpoint . After months of going back and forth with Shellpoint my loan was recalculated and I paid my XXXX test payments and have been paying my mortgage on time ever since. I have had access to the portal and everything has been going fine. 

Now on XX/XX/XXXX I get both a statement with my current loan payment and amount it will be as of XX/XX/XXXX ( lower ) and a statement saying my loan is in default. Both were sent on the same day. They verified I paid XXXX and XXXX. I can no longer see my loan on their portal since I am locked out an all I see is that I owe XXXX as of XXXX XXXX. 2022 ( note, this is a different amount than is stated on the default letter. I have called to see what is going on an am waiting for a call back. However after a horrendous experience last year I am concerned this is going to take months and damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A XXXX account by the name of Credit Collection Servic in the amount of {$300.00} has been reported to my XXXX Account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Purchased tickets from XXXX, tried to cancel within XXXX hrs, not responsive since then todate. Called the credit card company, they gave temporary credit but after that reversed that for no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Repeated harassment from XXXX. 

I called XXXX. XXXX from internet money transfer department refused to provide service. I asked for a refernce number for the call, was not provided. She went ahead and refused to even let me speak to a manager, when requested.

Why this repeated harassment from XXXX call centers? WHY!? And when would XXXX call center harassment stop? 

And why would XXXX hold up XXXX transfers? XXXX transfers are supposed to be instant, why send the money out and then put it on hold, doesn't reach my other bank. If someone sends money to someone urgently via XXXX, XXXX will put a hold on that! Why do that? Why make customers'life miserable!? It's not ACH, it's XXXX, then why!? 

I am sick and tired of XXXX drama!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Funds transfer from XXXX  XXXX XXXX to XXXX XXXX  via Zelle. 
XXXX  XXXX XXXX claimed & concluded from my recent inquiry that funds were withdrawn. XXXX XXXX  Account Holder claimed not received. Per Zelle, I need to inquire with my bank even after I explained that the money is with the Zelle provider. 
If both XXXX & XXXX do not have it, then where is the funds... floating in the air?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
XX/XX/2023 I decided to do a refinance with my current mortgage holder ( Freedom Mortgage ) cash out equity to consolidate debts. XXXX XXXX {$320000.00} after 1 year of payments turned into {$320000.00}. XXXX was {$2300.00} interest rate 5.25 % changed to {$3100.00} interest rate 6.25 % both fixed. Always thought with VA use of the lower interest rate was appropriate. Home appraised for {$450000.00} XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX XXXX  ) less than 1 year prior. Home appraised for less for the refinance. ( {$450000.00}. using their picked appraiser ) Started in XX/XX/2023 closing happened in XX/XX/2023 which I thought was way too long for a refinance. ( Kept saying I had a judgement in my county... and I did not ) Too many out of pocket expenses and hidden fees made this whole process really confusing and costly. If I knew it would cost me {$32000.00} of my equity I would never had done it with having a much higher payment on top of that. Also, I did not get enough to consolidate all the debts that I wanted to. I really feel like I have been taken advantage of in more ways than one.

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 2024-02-21 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-21 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Account XXXX : {$32000.00}.

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 2024-02-21 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: EQUIFAX, INC.
State: IA

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 non-monetary relief
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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

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 2024-02-21 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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 explanation