vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Urgent Request for Release of Insurance Funds for Home Repairs, {$55000.00} Dear CFPB, I am writing to express my deep concern regarding the ongoing delay in the release of funds that are critical for the completion of repairs on my home. Shellpoint Mortgage is currently withholding the final payment necessary to complete the flooring in our XXXX sq. ft. home, as well as finish the kitchen cabinets, countertops, electrical outlets, and other essential work. 

As a result, my children and I are living in extremely challenging conditions. We lack proper flooring and have no running water in our kitchen, while exposed electrical wiring and dust fill our home. Simple tasks like putting on clothes become difficult, as everything quickly gets covered in white dust. Our situation has severely impacted our quality of life, forcing us to sleep on inflatable beds and manage without furniture or desks for my children to complete their schoolwork. 

I believe Shellpoint Mortgage is overstepping its role in withholding these funds. This money was provided by my insurance company following an exhaustive claims process, which included multiple estimates, two claim adjusters ( one from my insurance company and a public adjuster ). Shellpoint Mortgage is not a contractor or an insurance adjuster and, therefore, should not be controlling these funds, which were released by my insurance company specifically for the restoration of our home. 

Since this process began on XX/XX/year>, my family has endured a considerable hardship due to the substandard level of service from XXXX XXXX and what I perceive as an abuse of authority by Shellpoint Mortgage. These actions have left my family in what feels like poverty conditions, stripping us of a functional home and basic living conditions. 

I urge you to release the remaining funds in the amount of {$55000.00} immediately, as these funds are intended solely for the restoration of our home. I hope you will respond in a positive manner and help us bring an end to this difficult situation. 

Attachment 1 : American Disaster Cleaning Group Attachment 2 : Farmers Revised Estimate which now agreed to a final number of {$110000.00} Attachment XXXX : XXXX XXXX XXXX is my XXXX. 


Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX [ XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I received a notice from my county of a lawsuit filed by LVNV Funding under the Fair Credit Reporting Act ( FCRA ) enacted on XX/XX/XXXX. I have the right to be notified before any information is added to my credit report, which did not happen in this case! reviewing my XXXX, XXXX, and XXXX files, I found XXXX accounts under the name of this company, which were reported without my knowledge, thus violating my right to respond or dispute this inaccurate information, can I claim compensation of XXXX dollars under the FDCPA law 15 USC 1692g Sec 809 for these practices, if you have any document certified by postal mail, showing that I was notified, you can show it on this portal, I do not recognize, nor am I responsible for said accounts, making use of my rights I sent you my validation letter, by certified mail on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Advanced Resolution Services Inc.
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 )

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 2024-11-05 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: FL

Complaint narrative:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USD 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 u, s.c. 1681 section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 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: GA

Complaint narrative:
IN VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA .

IM REQUESTING THESE ACCOUNTS BE REMOVED FROM MY CREDIT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. Emotional distress : Caused by the negative impact of inaccurate credit reporting. Financial harm : Due to credit denials or unfavorable terms for loans or credit.

Company response to consumer: Closed with non-monetary relief
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: MD

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
upon checking the credit report I noticed charge-off accounts which is unlawful.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
upon checking the credit report I noticed charge-off accounts which is unlawful.

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 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: DE

Complaint narrative:
XXXX XXXX Subject : Second Complaint Regarding Inaccurate Information on My Credit Report am writing to file a formal complaint regarding inaccurate information that continues to be reported on my Equifax credit report, despite my prior attempt to resolve the issue Prior CFPB investigation number XXXX. This is my second complaint concerning this matter, and I am seeking your assistance to ensure that my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., are not being violated. 

The specific issue involves charge-off accounts that were included in my bankruptcy and should no longer be reported as active or charged-off. The following accounts are listed incorrectly on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were discharged in bankruptcy, and under the FCRA, they should not be reporting as charge-offs, nor should there be any negative public record or derogatory information associated with them. However, these accounts are still being reported inaccurately on my credit file, which violates FCRA 15 U.S.C. 1681b and 15 U.S.C. 1681e.

To date, Equifax ( the credit reporting agency ) has failed to respond to my initial dispute, and the inaccurate information remains on my report. The failure to take corrective action within the legally required 30-day period is a violation of the FCRA, and this noncompliance is causing me significant financial distress. 

Given that more than 30 days have passed, I am now requesting immediate and decisive action from both Equifax and the above-mentioned creditors. Specifically, I demand that : The inaccurate charge-off statuses be removed from my credit report. 
Accounts included in bankruptcy be properly marked as discharged, with the public record removed if applicable. 
Equifax and the reporting creditors fully investigate and expunge any inaccuracies that remain on my report. 
I receive confirmation that the corrections have been made, and an updated credit report is provided to me. 
I am also seeking monetary relief for the financial and emotional stress caused by these violations of my rights. The continued inaccuracy of my credit report has hindered my ability to secure credit, housing, and other financial opportunities, which is deeply detrimental to my well-being. 

I trust that the CFPB will investigate this matter thoroughly and assist in ensuring that my consumer rights are upheld. Your prompt attention to this serious issue will be greatly appreciated. Please contact me at the information provided above if any additional documentation is required. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: OH

Complaint narrative:
I reviewed the closed accounts on my Credit Report and noticed 2 XXXX XXXX accounts that does not belong to me. I have included those accounts in my Identity Theft Report, along with the dates they were opened and that account balances. These accounts are fraudulent.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reviewed the closed accounts on my Credit Report and noticed 2 XXXX XXXX accounts that does not belong to me. I have included those accounts in my Identity Theft Report, along with the dates they were opened and that account balances. These accounts are fraudulent.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific fraudulent accounts and inquiries listed on my credit report, resulting from a recent data breach. As a victim of this breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) to request the removal of the unauthorized information from my credit report. 
Please find the details of the fraudulent accounts and inquiries below : Fraudulent Accounts XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$460.00} XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3900.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2500.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$860.00} XXXX XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX BANK XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$770.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$8500.00} XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Four people in the US, XXXX, and XXXX conspired to use Venmo and PayPal to defraud me of {$420.00}. Venmo refunded {$200.00}, but PayPal has refused to refund the remaining {$210.00}. This is how it happened. 
XXXX XXXX, whom I thought was someone I had met, wanted to Venmo me {$590.00}. XXXX said that {$590.00} exceeded Venmo 's limit. XXXX ( on XXXX ) and separate messages from an entity named " Venmo Pay '' ( XXXX ) told me to send {$200.00} via Venmo to " XXXX XXXX '' at " @ XXXX '' to temporarily cover the transfer. I complied. ( The true Venmo later refunded the {$200.00}. ) XXXX and the Venmo Pay entity then said that the {$200.00} had not transferred, and that I should send {$200.00} via PayPal to XXXX XXXX in XXXX at XXXX. I sent {$200.00} plus an {$11.00} international transaction fee. PayPal will not refund the money, even though XXXX and XXXX violated PayPal 's User Agreement. 
XXXX XXXX at both the Venmo Pay address and at XXXX then requested an additional {$400.00} to cover a " Government Approved Fee. '' I finally noticed the XXXX XXXX XXXX  in his email return address, realized that XXXX was not who I thought she was, and that I had been defrauded. I did not comply. I went to my bank and filed claims to cancel the transactions. Venmo reversed the Venmo transfer, but PayPal refused to reverse the PayPaXXXX transaction. 
XXXX erased her XXXX account and all messages, but I have uploaded a document showing scans of all emails and screenshots to substantiate this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation