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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request the not authorized hard inquiries below : agency : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXt Date : XXXX Agency : Equifax Company : XXXX XXXX XXXX  Date : XXXX Agency : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRI POINTE HOMES INC
State: TX

Complaint narrative:
Hello I have been having trouble with lender. Here is the story ; " My rental contract ended on XX/XX/year>, and we planned everything based on the original closing date of XX/XX/XXXX. We provided all the necessary documents on time and paid the closing costs. It appears that the delay is due to the lender 's failure to properly review and submit the documentation, which has caused the current situation. We did not receive any notification about incorrect documentation until just a couple of days before the closing date. We gave him time until XX/XX/XXXX, but he has not been able to provide any information about what will happen next. 
Moreover, my wife and I used our PTO for moving out, and we need to move as we return to work on Thursday. I asked him if the closing is impossible, we request that you provide us with storage, a XXXXXXXX with helpers, and hotel accommodations until the closing date. However, he has not responded. 
Customer : XXXX XXXX Company lender : XXXX XXXXXXXX XXXX XXXXXXXX Loan Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Hello, I had sent a Cease and Desist letter on XX/XX/year> to this debt collection company ; Evergreen Professional Recoveries Inc, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX and ( XXXX ) XXXX And they keep calling me, violating my rights under the Fair Credit Act laws. They just called me today XX/XX/year> at XXXX from the number ( XXXX ) XXXX. 

Under my rights stated on the Fair Credit Reporting Act, if this company does not stop contacting me, ( violating my rights ), I will take legal actions. 

Thanks for your time.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was sold from XXXX XXXX to Shellpoint Mortgage effective XX/XX/year>. 
I received a paper statement from my county real estate tax division saying my taxes have not been paid. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Today, I received a voicemail from the supervisor in the escrow department stating that my account was " not set up to escrow and therefore they will not be paying my property taxes and any late fees will be up to me to pay. Meanwhile, they have over {$5300.00} of my money sitting in an escrow account and are collecting {$710.00} per month of my mortgage payment to put toward escrow. 
I called this XXXX back and all he kept saying was that " my account was not transferred with an escrow account when I can clearly see it on my account online. He can not explain to me why the money is sitting there. 
Additionally, they applied the very first payment I paid them in XX/XX/year> to all interest and escrow and none to principal. They can not seem to figure out how to fix it. They have made a giant mess out of my account and backed out payments and reapplied them again incorrectly. I have made 2 payments and they have messed both of them up. To insult me further, I got a threatening late notice because my loan was showing due for XX/XX/year> because they backdated payment postings to XX/XX/year> when I wasn't even their customer yet. I am hoping someone can help me because no one is helping me there.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response back from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian and proof of delivery as evidence.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX Credit Card, which resulted in a hard inquiry from XXXX, as you can see attached. I just checked my Experian credit report and it also shows a hard inquiry from XXXX on the same date. This never occurred. I spoke with four senior managers at XXXX XXXX, including their fraud department. They confirmed that XXXX did not pull my Experian credit report. This is an error and XXXX is acting illegally by negatively impacting my credit score until XXXX based on a credit pull that never happened.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian Credit Reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX Bank XXXX XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Experian credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Experian credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Experian report were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Case # XXXX proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I requested all information under 1024.38 ( b ) ( 1 ) ( ii ). They only provided a small amount of the required information, and much of it was incorrect. For example, they show the original term of the loan was XXXX  months, which is incorrect. The original loan term was XXXX  months. Their balance also includes excessive and invalid property inspection fees, and does not reflect a payment made in 2019. 

Lender/servicer also needs to honor the 2019 modification agreement.

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: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Sunrise credit services XXXX ( XXXX ) XXXX Put an old XXXX bill on my credit report today that was from XXXX It was listed in my bankruptcy with XXXX  and was discharged. They have no legal right to this debt nor the right to put on my credit and drop my score.

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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am a victim of identity theft! My bank account information was stolen, and used to deposit fake checks into my account, without knowledge. The bank was notified and suspect listed, admitted to falsifying information. This collection needs to be removed immediately from my account.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am currently in the process of applying for an apartment complex, I spoke with the property manager, and she explained to me that on my rental history it shows that I owe another property a balance of {$440.00}. I then informed her that I have never lived in another state besides Texas. The property manager then informed me that on my end I needed to file a dispute with my credit bureau and asked me if I ever stayed in another state or helped someone lease an apartment and I explained to her that I haven't and have been staying at my current residence since XXXX of XXXX. She then informed me that she would send over a rental history verification over to the apartment complex. She then provided me with the complex name and told me that she would call and give me an update. After ending the call, I called the apartments that she provided me which are XXXX at XXXX XXXX located in XXXX, Georgia. I spoke with a leasing agent on XX/XX/XXXX, at the property and explained the situation to him and he informed me that there is a balance of {$440.00} debt due to NSF. I asked him how the application was done and he told me online, and afterwards I asked him how it was paid for, he then said it was paid online. Later he clarified that my information was used online, and the application was submitted on XX/XX/XXXX, but the application was denied. He then informed me that he couldn't release any information until the credit bureau request that information.

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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I filed a fraud/account takeover for numerous charges on my Paypal account . Minutes later ( without even speaking to me ) they automatically determined the charges were valid. I dispute this and they did not even conduct an investigation. I want the funds created back to me.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting the wrong balance for account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. The original creditor provided verification via XXXX, and I have attached their correspondence to this complaint. You are also reporting the incorrect payment history for this account. How can XXXX bureau report a status of 'OK ' while another report it as 'CO '. This is a violation, and this account is to be removed from my credit report immediately. I do not owe this collection anything, and the balance they are reporting does not match that of the original creditor.

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