vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I recently checked my credit report and was alarmed to find an inquiry from your company that I never authorized. This unauthorized inquiry is negatively impacting my credit score and causing me unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, 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 2024-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
Down payment ( against loan total ) on XXXX XXXX of {$100000.00} & first monthly of {$1600.00} have not been posted with Network Funding. 
Several attempts to resolve issue with Network have been made but no progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This complaint is about Shellpoint Mortgage Servicing I got my original mortgage from XXXX which has since been sold many times without any clear notification. I understand Shellpoint Mortgage Servicing is currently collecting payments and I have been requesting them to release the lender information to me for past several days. The original request was submitted for information to be released within 24 hours, I have been waiting forever and the mortgage servicer is not willing to release the information to me. 

As I understand, this is my mortgage and I am the legal owner of the loan to know who is the lender on my mortgage. Shellpoint has been hiding this information and sending me in loops to get access to my own legal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year> I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Copies of Driver License, social security, proof of inaccurate and letter to equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am an ongoing victim of Identity Theft, first affected in XXXX. My personal information has been compromised since, and I have filed all the required reports and notifications with the police and credit reporting agencies. In XX/XX/XXXX, a fraudulent JP Morgan Chase credit card totaling {$19000.00} was reported as delinquent to my credit files. I immediately contacted Chase, and shared that the account was unauthorized and identity theft. Chase said they would investigate and I would receive mail notifying me of the results. In XX/XX/XXXX, after not receiving any correspondences, I called again and sent a formal dispute letter to Chase. I then contacted the credit bureaus, XXXX, XXXX, and XXXX, disputing the account 's validity. XXXX and XXXX responded that Chase verified the account as mine, while XXXX responded the account was unverifiable and removed it from my report immediately. Since, I have gone back and forth with Chase, XXXX and XXXX about this fraudulent/identity theft account without any just resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander violated consumer protection laws by exposing me to subprime unnecessarily high levels of risk and knowingly placing me as a consumer into this auto loan with a high probability of default. I signed a contract to pay a monthly car note to Chrysler Capital DBA Santander in XX/XX/XXXX. Shortly after signing the contract to finance a XXXX, I became in default of this loan. During my initial purchase I was bullied into adding unnecessary packages and ancillary products during the signing of my loan that essentially added to my monthly payment that was already extremely high due to the high interest rate. I explained to the Finance Manager that I was unable to afford to add anything additional to the loan, but I later found out that warranty packages and other items were added to my loan which made my monthly payment even higher. In XXXX, I was notified that I was part of a multistate Settlement of Santanders subprime lending practices which later lead to a settlement payment in which I received on XX/XX/XXXX under Case XXXX XXXXXXXX. Based on the multistate Settlement, Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed me as a borrower to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The Attorneys General 's investigation proved that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a XXXX eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information. Santander engaged in deceptive servicing practices and actively misled me about my rights, and risks of partial payments and loan extensions. Although I would call them periodically to ask for a lower rate to mitigate any chance on defaulting constantly on my loan, my request was ignored and denied. Chrysler Capital/DBA Santander , defrauded desperate consumers such as me by placing me into this auto loan they knew I could never afford to pay, resulting in defaults and negative ratings on to my credit reports. I included my payment history which will show no payment ever hit the principle of the loan. Under the terms of the settlement, Santander is required to provide relief to consumers in the form of restitution payments which I received but failed to comply with the Settlement for consumers with the highest risk loans who defaulted as of XX/XX/XXXX, which I did to request that the loans be removed from consumers credit reports. The consumers who qualified for this relief : Defaulted on the loan but the vehicle was not repossessed. I defaulted on my loan several times in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
Ive reviewed my credit report and noticed some incorrect information about a few accounts

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 2024-12-19 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:
Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and 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 2024-12-19 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Equifax have 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 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX regarding a debt that was improperly reported on my credit report. There are several issues with this situation that I believe violate debt collection laws and regulations : 1. Lack of proper debt validation notice : I was never notified of this alleged debt or provided with the required validation information as mandated by the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors must provide written notice containing specific information about the debt within 5 days of initial contact.

2. Inaccurate information : The address associated with the account ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  ) does not have internet service, calling into question the validity of this debt. Reporting inaccurate information to credit bureaus violates the Fair Credit Reporting Act ( FCRA ). 

3. Failure to investigate dispute : When I contacted XXXX to resolve this issue and offered to pay the amount to have it removed from my credit report, they refused to delete the entry. This failure to properly investigate and correct inaccurate information violates the FCRA. 

4. Lack of response to dispute : The FDCPA requires debt collectors to cease collection activities and provide verification of the debt if it is disputed within 30 days. XXXX failed to follow this procedure. 

5. Potential violation of the CFPB 's Debt Collection Rule : This rule requires debt collectors to provide specific validation information to consumers, which I did not receive. 



Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer. 

Sincerely, 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 2024-12-19 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXXXXXX XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX XXXXXXXX, and eqyuifax the opportunity to make this matter right by way of the following XXXX needs to remove the bankruptcy like XXXX equifax, and XXXX did. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as 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. 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 2024-12-19 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXXXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, XXXX, and XXXX the opportunity to make this matter right by way of the following XXXX needs to remove the bankruptcy like experian, XXXX, and XXXX did. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as 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. XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX AccounXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reference 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 2024-12-19 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
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 NUMBER : XXXX ) 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 : 1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : 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 Equifax 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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