vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: NY

Complaint narrative:
I have student loans on my credit report. I received confirmation from Student AidXXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report is showing an unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed 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 2024-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XXXX I started a loss mitigation with shellpoint mortgage for my 2nd mortgage to offer to pay so much of my loan off and they would accept it and loan would be paid in full. For a whole year they kept putting me off and not contacting me. When everything was done they switched me to SLS servicing in XXXX. Did same loan modification with them when done they transferred my loan back to shellpoint. Started loss mitigation again with shellpoint and it has been months. They tell me everything is in then add something else I need on documents page they never call me. My single point of contact is supposed to keep in touch and she has never contacted me back. When I call in to see if done they tell me about another document I need so I upload that. Then they tell me I need past documents again because they are not finishing it on time so again have to send everything again. Monday XX/XX/XXXX finally got ahold of single point of contact and told her I want this done ASAP. She said " oh everything is in I'll send it to underwriting to view it. During this time an investor of the mortgage company put me in foreclosure while going through loss mitigation and I feel this was done so they could sell my house for more money. I called multiple times about this foreclosure. I was never notified by the mortgage company about foreclosure and I said why foreclosure when I'm going through modification. They said because the investor can. My modification would have been done in XXXX but the workers are not doing their job and contacting me at all and keep putting it off. I read to them that it was illegal to put in foreclosure during modification and they said it's on hold. So now I feel like they aren't going to accept it because investor wants to foreclose. They also told me that foreclosure amount will be added to my loan. I need help shellpoint is not helping me on this 2nd mortgage at all. I'm on social security XXXX and can't lose my house. I can't afford another one and can't afford to rent.

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 2024-10-26 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: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
BECU has locked my savings account due to their belief that I deposited fraudulent two third-party checks ( one for $ XXXX, and one of $ XXXX ). 
However, these checks were not fraudulent ; they were funds my fianc received after the death of his mother, which he simply just wanted to deposit into my account. At the time, we were unaware that third-party checks were prohibited, and this was simply an unfortunate misunderstanding. 
I first explained the situation to BECU on XX/XX/year>, after discovering my account was locked when I attempted to log in. I contacted them again on XX/XX/XXXX, when my fianc and I visited the branch with the checks in question to further clarify our misunderstanding. 
Currently, I have {$3000.00} in my account that I deposited on XX/XX/year>, through a local bank teller, but BECU will not allow me to access it. I intended to use these funds for a tuition payment, which I have also communicated to BECU. 
Not once has BECU reached out to me ; I have had to initiate all contact. They did not inform me they were locking my account, and despite being told I would be contacted by their fraud investigation department during my visit on XX/XX/XXXX, I have yet to hear from anyone. 
I chose BECU because it is a local bank with a strong history in my community, and my fianc, who has been a long-time customer, recommended it. My current bank is online only, making access to cash deposits inconvenient. Unlike BECU, they have never treated me like a criminal or taken action on my accounts without communicating with me. 
Im very disappointed ; what I hoped would be a positive experience has turned into anything but.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: NJ

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. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-10-26 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: NY

Complaint narrative:
I've submitted my Federal Trade Commission Report ( Identity Theft Affidavit ) clearly stating fraudulent accounts, which indicates a crime was committed. Although, XXXX and XXXX took initiative action to resolved the matter, TransUnion failed to follow laws governing FCRA laws and laws for victims of criminal behavior in credit reporting. 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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX  XXXX XXXX  Account Number : XXXX Last 4 digit card number:XXXX Account XXXX, XX/XX/XXXX Account ClosedXXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: OK

Complaint narrative:
this sosial security number does not belong to me and i want it removed i have a screen shot of the ssn that is not mine on your report and i also included my social security card for referance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/year> I received this notification from the XXXX XXXX XXXX XXXX. But XXXX XXXX Mortgage and Preservation Bankruptcy Department is being vindictive and refusing to honor this and instead is trying to get me to reapply for their Mortgage Assistance Program in which is useless because this failed program by then is what has me in this Foreclosure situation. And sadly there tends to be an unpleasant atmosphere amongst these customer service representatives of lies, deception and mockery towards minorities. Because obviously they cant expect the fact that this minority has been approved for this {$50000.00} grant from a third party. And if these individuals are supposed to be helping those to whom are in needing according to their political associates then why are they doing this to me? Also it was just brought to my attention than a Refinance Check for XXXX Plus Dollars was forged in my name by Step Father XXXX XXXX to whom is also on the mortgage. And one of the main reasons to why he has no interest in this property is because hes fearful that he may face legal action for forging the bogus name of XXXX XXXX XXXX on the Mortgage Note and the Refinance Check

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 2024-10-26 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:
While I had an ongoing dispute over XXXX fraudulent transactions, the following happened : 1. While my card locked, capital one allowed a {$650.00}. This was despite assurances that when locked, ALL PURCHASES WILL BE DECLINED! 
2. The card involved in this purchase has a credit limit of {$500.00}. The available credit on same said card was {$150.00} at the time of the purchase. Yet they allowed a {$650.00}, which is above both the credit limit and available credit to happen. 
3. Before this transaction, while discussing another disputed transaction from XXXX, a capital one customer service manager assured me in a phone call that they can never allow a transaction above the credit limit. After this transaction, another capital one customer service manager now says capital one allows transactions above the credit limit. 
4. Previously, all purchases were declined whenever the card was locked, including XXXX cards. I expected all transactions to be blocked as advertised and advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
I had several IR income driven requests for this student loan XXXX  charged me high fees and late charges and interest for over 20 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: SC

Complaint narrative:
I attached a screenshot from my XXXX report. I didn't authorize recognize the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I attached a screenshot from my XXXX report. I didn't authorize recognize the inquires

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 2024-10-26 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2024-10-26 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 2024-10-26 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
15 U.S. Code 1681. Reporting inaccurate information onto my report is unfair, violating my consumer rights.

Company response to consumer: Closed with explanation