vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Sunrise Credit Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Fraudulent Credit Account/Charge To Whom It May Concern, I am writing to formally dispute an item on my credit report that I believe to be fraudulent. The account in question is listed with your agency under the following information : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount : XXXX I have never opened this account and believe it to be a case of identity theft. The presence of this account on my credit report is damaging and incorrect. 

LAW FRCA Section 605B - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. 

I have file with the federal trade commission regarding this matter with the reference number XXXX Please remove 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 explanation
Consumer complaint received 2024-07-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
1 ) XXXX 's website states I have 2 payments that are 30 and 60 days late within the last 9 months. I spoke with XXXX a few months ago to file my dispute but no information has been corrected on the website since then. The actual credit report shows that there are no late payments ever in the history. 

2 ) In addition, there are 2 credit cards listed as having been discharged through a XXXX  XXXX Bankruptcy ( Apple Card and XXXX. NO consumer debt was included in the bankruptcy filing because all consumer debt balances were at {$0.00} at the time of filing. The XXXX XXXX was business related, not consumer related. Written proof of the legal paperwork for the Bankruptcy filing was provided to both creditors in XX/XX/XXXX. ( see attached letters ). I sent written proof to both GS Bank and XXXX in XX/XX/XXXX. 

3 ) XXXX has yet to include my personal statement regarding the bankruptcy which contained a detailed explanation behind the XXXX  XXXX filing on the actual credit report. I provided all of this information to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
RE : Divorce index XXXX, XXXX, XXXX Referee XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
New York Supreme Court. XXXX. 

Marital property address : XXXX XXXX XXXX, XXXX, MA, XXXX Mortgage holder ss # is XXXX. 

The account number with community loan servicing was XXXX Monthly payment = XXXX aaccording to XXXX XXXX on XX/XX/XXXX. 
unpaid principal was XXXX, as of XX/XX/XXXX. 

XXXX not on the note and am not on the mortgage, according to XXXX XXXX on XX/XX/XXXX. spoke with XXXX XXXX on that date. 
The loan sale was " up to the investor, a private company, XXXXXXXX XXXX XXXX', according to XXXX XXXX. they could not give me the information, since I was not on the mortgage. 
I am on deed and title of the house above. 

The note holder ( XXXX XXXX ) signed a retainer agreement with attorney XXXX XXXX, who benefits from the sale of the property. There is also a second mortgage and my signature XXXX have been forged. 

I have tried to pay US Bank the monthly payments, and the funds were returned by US Bank to the note holder, XXXX XXXX, after they deposited my funds. 
XXXX XXXX has not provided an explanation for this. 
They will not sell me the loan. They'll only " trade a massive portfolio of thousands of loans to a bank '', I was told by XXXX XXXX. I was told that they would give me the contact information. XXXX XXXX XXXX XXXX XXXX was a contact, they stated. 

XXXX XXXX has XXXX the foreclosure process. as of XX/XX/XXXX. 
US Bank has refused to speak with me since commencement in XXXX and has charge me and the note holder fees. 

US Bank claims that I am not on the mortgage. 

The foreclosure is now XXXX land court, for those in the military. Once the deadline passes, they can start the state part of the foreclosure- they will have to give XXXX weeks notice. 

My name will be published in business west, even though I am not on the note. This will destroy my career and my ability to earn a living. This is defamantion and extortion. 

Attorney XXXX XXXX of XXXX made misstatements in court under oath about the downpayment on the home above. Attorney XXXX stated that XXXX XXXX had made the downpayment on the home, which is not correct. 

I would like to own the paper and start charging default interest and penalties and impact XXXX XXXX 's equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MD

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute and request the removal of inaccurate information reported on my credit file by X1 / XXXX XXXX XXXX The information in question is adversely affecting my credit score and does not accurately reflect my credit history. 
For over four months, X1 / XXXX XXXX has been inaccurately reporting that my account is 30 days past due. This is not true and is a violation of the Fair Credit Reporting Act ( FCRA ). My payment due date is the XXXX of every month. However, if I do not make the payment by the XXXX and the date reaches the XXXX or XXXX, X1 / XXXX XXXX automatically reports my account as 30 days past due. This is against the FCRA, which stipulates that an account should be reported as 30 days past due only if it is indeed 30 days past due. For instance, for my account to be accurately reported as 30 days past due, it should be XX/XX/XXXX or XX/XX/XXXX. 
They reported a no payment on XX/XX/year> which is not true They reported also 30 days late for XX/XX/year> ( which is also not true, because Im not yet 30 days late my payment date is on the XXXX but they reported as 30 days past on XX/XX/XXXX and XX/XX/XXXX to all 3 bureaus ) technically I should be 30 days late by XX/XX/XXXX or XXXX. 
And they been reporting like that since more than 4 months now false information on my credit profile. 
This erroneous reporting is severely damaging my credit score. It is essential to highlight that under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information included in consumer credit reports. The continuous inaccurate reporting by X1 / XXXX XXXX not only violates the FCRA but also causes undue harm to my creditworthiness. 
I have attached copies of the following documents to support my claim : List of documents such as payment records like Bank Statement ( for XX/XX/year> ) CFPB complaint ( which has been transferred to The Federal Reserve Board ) Screenshots from XXXX App My ID to confirm my identity. 
In light of the above, I request that you investigate this matter, verify the information ask X1 / XXXX XXXX what my payment date is? which is the XXXX so you will understand that they always report false information on my credit profile, and subsequently remove the inaccurate delinquency from my credit report. This correction will help in ensuring that my credit report reflects accurate and fair information. 
Another complaint has been sent to XXXX XXXX XXXX Maryland Attorney General. 
I would appreciate a prompt resolution to this issue and look forward to your response confirming that the necessary corrections have been made. 

Thank you for your attention to this urgent matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

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 and I am filing this complaint for falsely 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Description of Incident : I am submitting this complaint regarding my private student loans serviced by Sallie Mae. I believe I was a victim of fraud and misrepresentation by the educational institution I attended, and I am seeking assistance in canceling my loans on these grounds. Below are the details of my experience : Dates and Amounts : Enrollment Period : XX/XX/XXXX, to XX/XX/XXXX Loan Disbursement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Total Loan Amount Disbursed : {$22000.00} Reduce Loan Amount : {$10000.00} Total Balance as of XX/XX/XXXX : {$29000.00} Actions Taken by Me : 1. Initial Enrollment : I enrolled at XXXX XXXX based on their representations of accreditation, job placement rates, and the quality of their programs. These representations were made during meetings with admissions counselors, and through the school 's marketing materials. 
XXXX. Discovery of Misrepresentation : After enrolling and attending classes, I discovered that the school 's claims were false. The program lacked proper accreditation, and the job placement rates were significantly lower than advertised. Additionally, the quality of education and resources provided was subpar. 
XXXX. Gathering Evidence : I gathered evidence to support my claims of misrepresentation, including marketing materials, emails, and testimonies from other students who had similar experiences. 
XXXX. Seeking Legal Advice : I consulted with legal counsel to understand my options and was advised to seek loan cancellation due to the fraudulent actions of the school. 
Actions Taken by Sallie Mae : XXXX. XXXX XXXX : Despite my efforts to resolve the issue with the school, Sallie Mae continued to service the loans without addressing my concerns about the validity of the debt. 
XXXX. Communication Attempts : I contacted Sallie Mae on XX/XX/XXXX via the chat system they had but had no luck getting a hold of anyone. I then tried to reach them via phone call the next business day on XX/XX/XXXX to discuss the possibility of loan cancellation due to the fraud and misrepresentation by the school. I provided them with the evidence and detailed accounts of my experience. However, I did not receive a satisfactory response or resolution from Sallie Mae regarding the cancellation of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXXXXXX 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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I try to explain to them thats not mine but the keep declining my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 2024-07-30 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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 2024-07-30 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed over and over they're putting all the wrong information I've called them I've wrote them I've submitted paperwork and they still have not fixed my report and I also am a victim of my dad being leaked and they also still won't fix it. You turning me right now from me and my children getting a place to live I've asked them numerous times to fix it

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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I explain to them thats not my account and I never open this account ever but they never believe me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
nothing happened to me personally, however, I feel something needs to be done about the tjmax company advertising over their loudspeakers for shoppers to save 25 % on their purchase by opening a tj max card ... ..what they dont tell the shoppers is the interest rate on the tj max card is 31.99 % on outstanding balances which the majority of their customers carry. The employees that sell the tjmax card don't even know the interest rate on the card, it's printed in the brochure the customer is given when they open the card, but no ones read it. 31.99 %? really... tjmax should at least have their employees know the interest rate and explain how a credit card works

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 2024-07-30 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS SOUTHWEST CREDIT SYSTE Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX SOUTHWEST CREDIT XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account type Credit card Status Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief