vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
We are writing again to dispute another missed payment for {$5000.00} that has had a negative impact our credit score for the month of XXXX. This notification came to us in a letter dated XX/XX/XXXX a couple months after my wife and I received confirmation from Newrez dated XX/XX/XXXX saying that our loan has been paid in full. It was explained to me over the phone by a Newrez supervisor in XXXX that even though Newrez and Loss Draft were in possession of the entire amount of our loan prior to our XXXX mortgage payment being due that we were still responsible for this payment. Newrez and Loss Draft have been in possession of {$830000.00} since the agreed upon XX/XX/XXXX payoff date. Being that this was the agreed upon full payment received on time, we do not feel we should be penalized in any way. We feel it is not right for us to be penalized on a missed payment because of how long it takes a company to process transactions. This is the second letter we are having to write about missed payments negatively impacting our credit score. The first issue was resolved after writing a similar letter. This decrease in our credit score is making it even more difficult to get approved to rent a house where we live in XXXX adding unnecessary stress and grief to my wife and I in an already devastating situation. 
As a brief back story on XX/XX/XXXX Loss Draft department was sent {$410000.00} in insurance checks along with a letter of intent to use the checks to pay off our mortgage. On XX/XX/XXXX a wire transfer of {$410000.00} was sent from XXXX XXXX XXXX  to Newrez. Since that date many phone calls have been made by myself and my wife to Loss Draft and Newrez customer service to follow-up on paying off our mortgage. We have spent countless hours on the phone sorting out this situation. On XX/XX/XXXX we reported this situation to Consumer Financial Protection Bureau ( I.D . # XXXX ) as we were making no progress talking with your staff and supervisors over the phone. This first issue was resolved as we were able to close our mortgage and the original reporting of missed/late payments was corrected. Our credit score was returned to normal. For the second time ( 4 months after this payment was due and almost 3 months after our loan has been closed ) our credit score again negatively impacted for being reported late on another payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MD

Complaint narrative:
I have been recently informed that there is negative information reported by the bureaus. 

XXXX : 1. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 2. Account XXXX : XXXX Account XXXX : XXXX 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account XXXX : XXXX 5. Account Name : XXXX Account XXXX : XXXX 6. Inquiry Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Equifax : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX 6. Account Name : XXXX Account XXXX : XXXX 7. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MD

Complaint narrative:
I have been recently informed that there is negative information reported by the bureaus. 

XXXX : 1. Account Name : XXXX Account XXXX : XXXX 2. Account Name : XXXX Account Number : XXXX 3. XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Experian : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 7. XXXX XXXX : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-24 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:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
This information is being reported inaccurately on my credit report please remove any derogatory payment history and loan statuses from this 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 2024-04-24 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: GA

Complaint narrative:
This information is being reported inaccurately on my credit report please remove any derogatory payment history and loan statuses from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This information is being reported inaccurately on my credit report please remove any derogatory payment history and loan statuses from this 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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. 

XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am deeply disturbed by TransUnion ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and acc # XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). TransUnion have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. The address on my credit report does not match their information file with the bankruptcy reporting on my credit report. This is inaccurate reporting which their refusing to remove. After trying to log into my TransUnion account locked me out of my account due to my disputes over their false reporting on my credit report. TransUnion was given updates of my current address as it states on my credit report and they have the nerve to block me because I'm disputing their Fraud reporting!

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 2024-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
Harassing phone calls by 21st Mortgage. Repeatedly calling more than 7 times in 7 days. 
Debt collection practices are unorthodox and extremely personal in nature of questions as to why debt has become late. 
Intrusive questioning. 
XXXX different phone numbers are used to call : XXXX called 7 times from XXXX even after engaging in conversation with regard to debt. 
Borderline abusive collection tactics ; threatening foreclosure when not yet 30 days past due, by XXXX XXXX XX/XX/XXXX. I have requested to not speak with this particular person again but am subjected to speaking to him when contact is made. 
21st Mortgage purchased loan from another servicer in XXXX and continues to tell me I am in violation of bankruptcy code when my home was not included in a bankruptcy action nor was it with 21st Mortgage when I declared bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX CAPITAL ONE AUTOMOTIVE Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Automotive CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX THESE ARE ALL UNAUTHORIZED HARD INQUIRES MADE ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-24 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
Hi, it is today XX/XX/2024. I was trying to deposit a check through mobile deposit. 
it prompt me if I would like to have immediate funding. I thought this is convenience and hit yes. the next page start to show that a fee is charged for this feature. and I thought I do not need it and want to roll back. but it is already too late. 

After this, I call immediately to the branch and they are saying this is something that can not be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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: OneMain Finance Corporation
State: MN

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation