vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
I was on the phone with Shepherd Outsourcing and I expressed concerns about whether or not this was a legitimate phone call because the number who was calling me was different from the number listed on their website ( common tactic apparently ). After expressing my concerns, the supervisor who was on the line said, " Sir I know everything about you, your social is *** ** **** and your current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX She said both my social security number and home address out loud in a call center where other people could hear and possibly compromise my identity. With this information, someone can easily compromise my identity. In my entire life, I have never heard a company verbalize my full social security number. Most companies say, " can you please verify the last 4 of your social security number? ". But not this agency. This agency decided to play by their own rules and make me extremely uncomfortable as a consumer. I want a phone call apology. I want to know that this will not happen again and that the agent knows they are in the wrong. I am sick of how this company treated me. I paid my debt off with them and they still won't apologize for potentially compromising my identity. Please let me know next steps. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc.
State: OH

Complaint narrative:
I'm a student that attends to XXXX XXXX XXXX XXXX XXXX. I was getting a XXXX stipend check wired to my REVOLT BANK ACCOUNT WITH IS OPERATED BY XXXXXXXX XXXX. My school account is with XXXX XXXX XXXXXXXX. My school wired the funds of {$3900.00} to my REVOLT account on XX/XX/year> with the arrival date of XX/XX/year> to my account. I never received my fund at all. My school gave me there official document of the wire transfer and it shows on the statues CONFIRMED FROM BANK. But I never received any funds. I know revolt has my money but refuse to send me my wire transfer. I gave revolt all the official documents that shows proof of transfer was sent and granted but they keep telling me they don't see the wire. This really hurts my heart because I need the money for bills I'm a hardship student and this effects me and my schooling. The customer service representative told me they having problem with usd wire transfer only and one fixed my deposit will come to my account but it never came still. When I wrote them to let them know someone else said they don't see no transfer wire after the last representative said they did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MA

Complaint narrative:
" I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. ''

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 2024-10-18 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally raise concerns regarding the practices of the credit bureaus in relation to my recent disputes. My experience indicates a lack of proper investigation into the information provided by creditors, as well as inadequate responses to my inquiries. 

On XX/XX/XXXX, I submitted a dispute to the credit bureaus, requesting that they verify the accuracy of specific account information. I have tracking receipts confirming that the bureaus received my disputes. However, after 30 days without any response, I followed up with another dispute, asking for verification of the negative items on my report. In my request, I emphasized the necessity of having a live person involved in the verification process to ensure accuracy. 

Despite my efforts, I received no relief or evidence of any investigation from either the bureaus or the creditors involved. I have documentation of my communications, including tracking receipts showing that the disputes were acknowledged between XX/XX/XXXX and XX/XX/XXXX. 

Moreover, I noticed significant discrepancies in the reporting of late payments across the different credit bureaus. I highlighted these discrepancies in my correspondence and provided copies of each credit report for comparative purposes. Unfortunately, my concerns have not been addressed, and the errors remain unresolved. 

These experiences lead me to believe that the credit bureaus are engaging in passive reporting and verification practices, rather than fulfilling their obligation to conduct thorough investigations. This lack of action appears to reflect a disregard for the accuracy of the information they report. 

I respectfully request that the CFPB investigate these practices and hold the credit bureaus accountable for their responsibilities under the Fair Credit Reporting Act. Accurate credit reporting is vital, and I believe that consumers deserve diligent investigation and correction of any inaccuracies. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Penn Credit Corporation regarding a debt that has appeared on my credit report. 

Details of the Complaint : Debt Amount : {$250.00} Creditor : Penn Credit Corporation XXXX # XXXX I have no prior knowledge of this debt and have never received any communication from Penn Credit Corporation verifying its validity. I am particularly concerned because I have recently discovered that my personal information, including my Social Security number, has been compromised and sold on the dark web. 

As a result of this breach, I have been receiving fraudulent information in my inbox, and I am worried that my identity may have been stolen. Given the circumstances, I am requesting the following :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
American Honda Finance XXXX XXXX XXXX XXXX, Texas XXXX XXXX. My credit report states that I have a missed payment in XXXX. That is incorrect. Payment History states that I paid on XX/XX/XXXX, an Extension Tax in the amount of {$75.00} ( because I extended my lease ) and made a bulk payment of {$570.00}. 

XXXX. I sent two ( 2 ) letters to the above address describing an issue with auto-payment because I was advised by a Honda Representative to do so. 

XXXX. Honda never responded to my letters, with my 2nd letter dated XX/XX/XXXX. 

XXXX. My loan has matured and Honda expects me to either to buy or re-lease a vehicle. However, it seems that Honda is tanking my credit score in order to negotiate on better terms or prevent me from leasing from a competitor. 

XXXX. My payment history was 100 % timely since I started leasing from them in XXXX. 

XXXX. I request that all months are marked as CURRENT and any derogatory remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
My mortgage lender is Shellpoint Mortgage and they are they are again trying to scam money from me. They previously tried to illegally forclose on my mortgage during the XXXX XXXX - See Complaint # XXXX. Now Shellpoint Mortgage is refusing to accept my Hazard Insurance from my current Home Insurance Company which is XXXX. My home insurance company XXXX has provided this information to Shellpoint Mortgage but they are refusing to accept that I have XXXX XXXX so Shellpoint Mortgage can bill me an additional $ XXXX which will increase my mortgage payment to {$830.00} which I most likely will not be able to afford to pay which is why Shellpoint Mortgage is billing me for Hazard Insurance so they can eventually foreclose on my house and what Shellpoint Mortgage is not right! I currently have Hazard Insurance on my current Homeowners Policy with XXXX and Shellpoint Mortgage is refusing to accept this fact because they again want to illegaly attempt to foreclose on my house again. Shellpoint Mortgage is invloved in fruadulent business practices and should be severly fined by the CFPB. Shellpoint Mortgage has received my XXXX XXXX information from both myself as well as from XXXX XXXX numerous times. I have attached documentation to support my complaint. In addition, Shellpoint Mortgage is claiming I was late 1 month making my mortgage payment but the fact is I have never been late making my mortgage payment with Shellpoint Mortgage. When I contacted them regarding the {$20.00} Late Fee, they were supposed to have applied a {$20.00} credit to my account because they could not figure out which month and year I was late making mortgage payment, On their website home page shows {$20.00} Payment but was never applied to my account. I get collection calls on a daily basis from Shellpoint Mortgage regarding this {$20.00} late fee and if I continue to refuse to pay would could but not for sure result in the foreclosure of my house.

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 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I applied for a consolidation of loans and the SAVE payment plan in XXXX of XXXX. Both applications still say in review. I was sent a bill from MOHELA stating that my payment of {$800.00} is due XXXX XXXX. I can not afford a payment that big, which is why I applied for the consolidation and IDR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
XX/XX/XXXX S

ubject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment.

Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX  15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief