vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX sold our mortgage to Shellpoint XXXX XXXX XXXX made XXXX payments of XXXX to Shellpoint -I sold my house on XXXX and the title company requested a payoff quote from Shellpoint -the title company sent a check for the payoff amount ( {$69000.00} ) to Shellpoint XXXX -Shellpoint cashed the check on XX/XX/XXXX -at this point my account should have been closed -on XX/XX/XXXX Shellpoint sent the XXXX payments back to XXXX because they said it was sent in error. 
-our payoff is considered short XXXX -Shellpoint sent {$69000.00} in a regular check by first class mail to the wrong branch of my title company on XX/XX/XXXX. They did not inform anyone they were doing this. 
-My account now shows that I am past due XXXX payments.

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 2024-10-16 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: TX

Complaint narrative:
I received notifications from Experian, XXXX and XXXX regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

XXXX is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

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 2024-10-16 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: TX

Complaint narrative:
I received notifications from XXXX, XXXX and Transunion regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

Transunion is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except Transunion.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received notifications from XXXX, Equifax and XXXX regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

XXXX is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: DE

Complaint narrative:
For years now Experian hasn't reported my credit card account on my credit report. The credit account- XXXX that is reflecting is reporting the incorrect credit limit ( {$1000.00} ) as well as reporting closed. 

The correct account- XXXX is actively reporting the correct credit limit ( {$2500.00} ) on XXXX as well as XXXX but for some reason the account is not reporting on Experian at all.

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 2024-10-16 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: NJ

Complaint narrative:
I am submitting a request as a consumer and would like to ensure that my personal information on file is up to dateandaccurate.

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 2024-10-16 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: NJ

Complaint narrative:
I am submitting a request as a consumer and would like to ensure that my personal information on file is up to dateandaccurate.

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 2024-10-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor I advised Experian, XXXX, and XXXX to reinvestigate the aforementioned accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-10-16 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: PA

Complaint narrative:
I found unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I checked my credit as usual, but this time there were unexpected discrepancies. Refreshing my browser didnt help, and the unauthorized inquiries remained. I need this issue resolved immediately, and Im asking for the documents Ive sent to be reviewed thoroughly, so I dont have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: NM

Complaint narrative:
I paid my mortgage from account ending in XXXX on XX/XX/year>. I have had autopayments turned off. 

They billed me AGAIN on XX/XX/XXXX on a different account ( ending in XXXX ). This was UNAUTHORIZED and I had autopay OFF. There is a hold pending on my account from them and now my account is overdrawn and I can't pay my health insurance, purchase medications I need to live, buy groceries or pay other bills. 
I called XXXX and they told me i have to wait until TWO DAYS after this clears and then mail in a bank statement. Which means I have to go to the bank for a statement, then wait for the mail, then wait for them to process it. 

I do NOT have weeks to wait for this to be fixed!!!! 



IMMEDIATE reversal of hold/charge, and restitution to make me whole for whatever it costs me in terms of lost insurance, bank fees, bills not paid, and full coverage plus any and all compensatory payments for any and all difficulties and damagesphysical, life threatening, financial, and emotional that results from this mistake they are refusing to correct immediately. 

XXXX XXXX refused to give last name. 

He said I have to verify the hold. They can not release hold. 

XXXX XXXX, email checked daily, info can take a few minutes or hours to respond. Can not guarantee it will be handled today. 

Said they dont see a second payment. I explained its a hold, he said he doesnt see a payment. I explained that XXXX clearly made a payment request a second unauthorized time and no one else but XXXX could have submitted that. He told me I have to contact my bank about it, but the bank can do nothingXXXX  made the unauthorized payment request and they have to reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I called today and asked for them ti remove the hard inquiry.

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 2024-10-16 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-16 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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