vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-04-18 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: NY

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX of XXXX, my loan was transferred from Newrez XXXX to Newrez Shellpoint. In that transfer, Shellpoint claimed the XXXX check was missing. I provided copies of the check electronically and in paper form. A domino effect occurred because I pay {$1700.00} every month. The check is mailed by the XXXX of each month. {$220.00} of that is to be applied to the principal. In other words, I add to the payment each month {$220.00}. They claimed XXXX check was received and they used the extra payment to cover the missing XXXX check. They did this for several months causing late fees and reports to my credit bureau to accumulate. Each month I have been talking to a representative of Shellpoint. They all say they will open a complaint. Nothing gets fixed. XXXX months later, I talk with XXXX XXXX in Customer Service. He claims to have much knowledge about my case. He tells me to call XXXX about the XXXX check. XXXX has XXXX # XXXX and she confirms that XXXX check was transferred to Shellpoint on XX/XX/XXXX at XXXX a.m., confirmation number XXXX. XXXX reply was " oh, we are missing XX/XX/XXXX 's check. '' I then certified mail Shellpoint in XXXX, South Carolina not only copies of XXXX XXXX check but also XXXX, XXXX, XXXX, and XXXX. 
I just got another phone call yesterday, they are missing XXXX XXXX check. My bank account reflects they already cashed it. XXXX check was sent on the XX/XX/XXXX and on XX/XX/XXXX they claimed they hadn't received it yet. They are poor at communication and applying payments on time. I will furnish my numerous documents at a later date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Name XXXX XXXX XXXX XXXX INCORRECT Following information to be REMOVED FROM MY CREDIT REPORT Due to IDENTITY THEFT AND ERRORS. 

Equifax & XXXX : Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax : XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX {$8700.00} - XX/XX/XXXX Account XXXXXXXX XXXX XXXXXXXX {$10000.00} - XX/XX/XXXX XXXX & Equifax XXXX XXXX XXXX Account XXXX .... {$2600.00}. - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. - Account XXXXXXXX XXXX XXXXXXXX {$68.00} - XX/XX/XXXX Equifax : XXXX XXXX - Account XXXXXXXX XXXX XXXXXXXX {$9700.00} - XX/XX/XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I HAVE SENT ON SEVERAL OCCASIONS for YEARS SENT THE FOLLOWING : XXXX. AN STATE ID XXXX. POLICE REPORTS XXXX. SSN XXXX. LIST OF ACCOUNTS YEARS OF ZERO RESPONSE. AGAINST THE. LAW. 
AS A RESULT ; I HAVE BEEN UNABLE TO FUNCTION IN GETTING A HOME, A JOBS AND AIDING MY BUSINESS. THIS HAS COMPLETELY HANDICAP MY ABILITY TO TAKE CARE OF MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
As you can see by attached proof from XXXX XXXX, I've made 23 payments on time over the last 23 months and my current balance is reflected as XX/XX/2024 was XXXXXXXX XXXXXXXX XXXX had an issue on their end and had to reset up plan in XXXX I've asked them multiple times to update my credit report as current and reflect current balanceXXXX

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 2024-04-18 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: OR

Complaint narrative:
As you can see by attached proof from XXXX XXXX, I've made 23 payments on time over the last 23 months and my current balance is reflected as XX/XX/year> was XXXXXXXX XXXXXXXX XXXX had an issue on their end and had to reset up plan in XXXXXXXX I've asked them multiple times to update my credit report as current and reflect current balanceXXXX

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 2024-04-18 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: IL

Complaint narrative:
Upon reviewing my credit report I have noticed numerous inaccuracies regarding late payments and negative items on XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXXI would like all late payments with discrepancies to be deleted from my consumer report as well as all negative closed accounts. 

XXXX15 U.S.C 1681E ( Compliance Procedures ) Section B states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX15 U.S.C 1681 ( A ) ( 2 ) ( A ) ( 1 ) Exclusions : States the consumer report does not include reports containing information solely as to transactions or experiences between consumer and the person making the report. 

XXXX15 U.S.C 6802 ( Obligations with respect to disclosure of personal information ) : states a financial institution may not directly or through any affiliate disclose to a non affiliated third party any non public personal information. 

*15U.S.C 1681section 602 ( A ) : States consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. 

XXXX15 U.S.C 1681 section 604 ( A ) : States a consumer reporting agency can not furnish an account without my permission.

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 2024-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Leif Technologies Inc.
State: PA

Complaint narrative:
Hello, I came across your article regarding XXXX and wanted to inquire about the possibility of removing this XXXX from my name. I attended XXXX back in XXXX, and I have not been able to find a job as a software engineer or programmer since attending the school. I didn't feel I was receiving the best training while I was in the cohort. At a certain point, a student was teaching one of the classes, which was a red flag. Since I haven't been in a role that would qualify me to start paying on the XXXX since I graduated, I didnt receive any assistance with finding a job in the field, would it be possible to have this XXXX removed from my name? Any information would be helpful. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Incurred {$5.00} account management fees on savings account, although we had been advised for several years this was not applicable due to " Preferred Client '' status. When we called in on XX/XX/24 we were refunded amount ( for XXXX ) and told on a recorded line this was a bank error as we should not have fees due to our status. The rep advise, to be safe in the future, put at least {$300.00} in account which we did the same day. The next two months we incurred {$5.00} fees again. We called in XX/XX/24 at XXXX XXXX, with no resolution and a promise to call us back to resolve. No call was received. We called in XX/XX/24 at XXXX XXXX  and talked to XXXX in XXXX. She was able to refund one of the {$5.00} fees ( for XXXX ) but was unable to refund {$5.00} for XXXX. I asked for escalation and for the call to be pulled since I was incorrectly advised. She escalated to her manager XXXX, who could do this, with the promise for resolution by XXXX. No one ever called. In mean time we incurred another {$5.00} account fee for XXXX. On XX/XX/24 at XXXX XXXX  I spoke with XXXX from XXXX  XXXX I asked to close account and get refunded for the outstanding fees. She advised I couldn't close account if I wanted my refunds. She submitted to the " backend team '' an escalated request for XXXX and XXXX refunds of fees. They were declined the next day via email. Called again XX/XX/24 XXXX XXXX spoke with XXXX from XXXX  XXXX then escalated to XXXX the manager. Manger could not and would not refund saying after the " back office ' declines there are no other remedies.

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 monetary relief
Consumer complaint received 2024-04-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 1681 section 602 states. I have the right to privacy 15 US 1681 section 6048 section 2. It also states a consumer reporting agency can not furnish account without my instructions. 1666B not a payment on a credit card account under an open consumer credit plan as for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below

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 2024-04-18 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:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below

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 2024-04-18 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: NY

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. 

Inquiries : 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 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 2024-04-18 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my account 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 2024-04-18 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: TN

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
TransUnion, I have carefully examined a recent copy of my credit report from your agency, and I am writing to bring to your attention several errors and inaccuracies that I have identified. These incorrect entries are negatively impacting my ability to obtain new lines of credit. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ). This provision states that when preparing a consumer report, a consumer reporting agency must use " reasonable procedures to ensure maximum possible accuracy '' of the information contained therein. Unfortunately, it appears that your agency has failed to uphold this standard with respect to my credit report. 

I believe that these entries contain inaccuracies and require immediate correction. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX In accordance with FCRA regulations, I kindly request that you investigate these matters and make any necessary adjustments to my credit report without delay. If you determine that any of the above-mentioned entries do indeed contain errors, please delete them promptly. 

Furthermore, I would appreciate receiving written confirmation once all corrections have been made. Please provide me with an updated version of my credit report free of charge within five business days after completing your investigation. 

Thank you for addressing my concerns regarding the accuracy of my credit report. Should you need additional information from me during your investigation, please feel free to contact me at your earliest convenience. 


Truly yours, 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 2024-04-18 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:
XXXX XXXX Equifax continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-18 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: CA

Complaint narrative:
My complaint is against Experian. On my credit report XX/XX/year>, it states " You have XXXX Open Accounts Total balance : {$7800.00} ''. My actual open account balance according to them and my report is {$80.00} and I only have XXXX open account. I filed XXXX complaints with them and when they responded they said they were including all of my accounts including the closed ones in my Open Account balance. According to the Fair Credit Reporting Act they are not allowed to report incorrect information which Experian says this is. They are double penalizing me by reporting my Open Account balance is {$7800.00} when it is only {$80.00}. I am trying to get a mortgage and this is damaging me in the process of obtaining credit because it is skewing my Debt to Income ratio. I have gone back and forth with Experian via email and they are refusing to correct it even though they have acknowledged it via email. What are my options to escalate this matter? Experian Complaint # 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