vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible. 
The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible.

The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I am writing to ask if you could verify the debt you claim I owed, as I am entitled to under the Fair Debt Collection Practices Act. 

Please provide me with the following information : 1. The amount of debt.

2. The name of the original creditor.

3. Verification of the debt, including any relevant account numbers.

4. A copy of any judgment, if applicable.

Please send me this information within 30 days. Until I receive this validation, I would like to ask you to stop all collection activities.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC
State: PA

Complaint narrative:
Subject : Complaint Regarding Violation of XXXX  XXXX Bankruptcy Court Order Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to formally submit a complaint against [ XXXX XXXX XXXX XXXX XXXX ] for violating a XXXX  XXXX bankruptcy court order. I filed for XXXX  XXXX bankruptcy on XXXX XXXX in the U.S. Bankruptcy Court for XXXX XXXX XXXX XXXX XXXX  ( Case XXXX, The bankruptcy was XXXX on XXXX XXXX. 

Details of the Complaint : Violation of Court Order : Following my bankruptcy XXXX  XXXX XXXX, BROCK & SCOTT PLLC has continued to contact me regarding debts that was included in my bankruptcy proceedings. This constitutes a violation of the automatic stay and the discharge injunction under 11 U.S.C. 524. 
They have continued to contact me thru the U.S. mail as to their ongoing sheriff auction dated for XXXX XXXX. 

Impact on Me : These actions have caused me significant emotional distress and XXXX, as I believed I had been given a fresh start following my bankruptcy discharge. 

Applicable Laws : 11 U.S.C. 524 : Discharge injunction which prohibits creditors from attempting to collect debts XXXX in bankruptcy. 

Fair Debt Collection Practices Act ( FDCPA ) : [ 15 U.S.C. 1692 ], which protects consumers from abusive debt collection practices. 

Requested Action : I request that the CFPB investigate this matter and take appropriate action against BROCK & SCOTT PLLC for their unlawful collection practices. I also seek guidance on any further actions I may take to protect my rights under bankruptcy law. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Our mortgage was originally with XXXX XXXX XXXX NewRez took over as the service provider. I am currently working with a Credit Union to refinance our home. We have a Covid 19 Standalone Partial Claim on our home. The deed is registered with the county. When I called NewRez ( XX/XX/XXXX ) to get the pay off request for the Lien they stated there was no Lien and to just refinance and either HUD will drop the Lien or we will get a statement in the mail. I reached out to HUD/ISN and FHA and they do not show their is a Lien in their system and stated our Lender did not submit the paperwork to HUD. We signed the partial claim back in XX/XX/XXXX. XX/XX/XXXX I was finally able to get some paperwork ( Claim Agreement, Promissory Note ) but they are still saying they do not have a payoff request. I had them submit a case to be escalated to either provide the statement for pay off or discharge the Lien. I was told they they have until XX/XX/XXXX to provide me an answer. By then I will lose my locked in rate I currently have. XX/XX/XXXX and XXXX XXXX I have called NewRez in the morning and evening and I am told time and time again that they are working on it but they have no resolve. I spoke with customer service on XX/XX/XXXX and was told that when they looked into the account no one has started anything since i called in and that she would get her supervisor involved to escalate this. There is not a way for me to submit a " request '' for something that does not show up in their system. The Credit Union I am working with already pushed out the Locked in rate one time. Its costing money every time we have a delay.

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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Legal Logix Inc.
State: CA

Complaint narrative:
On XX/XX/year> I needed to reopen the match account to align with the best current offerings. I was able to find a previously matched bank called XXXX that was advertising on that date XXXX APY. This process I have done before without issues and Logix was able to match whatever rate I was able to find. This time around the highest they could go was 4.50 APY. My complaint is that this is call a " APY Match Savings Account '' and this time Logix failed to match a bank that I have used in the past. To me this is very misleading and the verbiage should not use " Match '' if Logix can fulfill that obligation. I voiced my disappointment to one of the managers and ask for a call back from a executive higher up in the org chart. I have not heard back from them and there was no apologies to the miss representation of this product.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As I did not authorize these hard inquiries, I request their removal from my report per 15 USC 16c-2, as theyre lowering my credit 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 non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Im honestly stunned to see inaccurate accounts on my credit report today, and I cant figure out the reason for it. I check my credit report regularly, and its always been accurate until now. I refreshed my browser, thinking it might just be a loading issue, but the errors were still there. Because of this unexpected issue, Im requesting a thorough review of my documents so I can put these concerns behind me for good.

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 2024-10-25 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: IL

Complaint narrative:
I was shocked to find unfamiliar accounts on my credit report this afternoon, with no idea how they got there. I check my report frequently, and everything had been in order, so this sudden issue threw me completely off guard. I refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. I would really appreciate it if my documents could be carefully reviewed so that I wont have to deal with this stress again.

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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit 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 non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Last week i check my credit report and i noticed 2 accounts that not mine i would like to removed 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 non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Last week i check my credit report and i noticed 2 accounts that not mine i would like to removed thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Last week i check my credit report and i noticed 2 accounts that not mine i would like to removed 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unauthorized accounts were found on my latest credit report. Please promptly block and remove these fraudulent entries.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi on XX/XX/XXXX i made a deposit at the chase atm and the machine ate my money, it was XXXX, i filed a complaint with chase and they refuse to refund me full amount, they only refunded me XXXX and stole the rest, i did not deposit XXXX, i deposited XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: AL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I transferred {$41000.00} from my XXXX  account to SoFI checking account on XX/XX/year>. They locked my account with no reason so I called them daily to unlock it but they don't give me any reason why it's locked nor when it can be unlocked. I'm already getting calls from my contractor for payment so this is really frustrating situation. I asked them to just send my money back to XXXX  account but they said can't. They are basically stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit. 
The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
I am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit. 
The account in question is as follows : XXXX XXXX XXXX Account Number : XXXX - XX/XX/year> - {$0.00}

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 2024-10-25 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: CA

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 2024-10-25 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: CA

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 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