vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
Even after I have requested the company to cease and desist all communication including furnishing the account to the consumer agencies which I deem as communication and upon further checking the account has not been removed. I have told this company I am not the correct person they are asserting me to be and the company failed to validate the account according to the FDCPA and is acting maliciously in its tactics. Furthermore, In the CFPB complaint the company has affirmed that it does not know if the account belonged to me and does not have information to show that this alleged account and debt belong to me. It is clear the company has no moral standing nor its representatives to follow the law or to do what is moral, legal and ethical. I have attach a photo of the company stating this. 

I have sent in letter requesting for documentation and I am still demanding the documentation of proof that they have a right to collect alleged debt and that I am the correct person which I know I am not. The company has failed to notify me properly, failed to provide any assignment of debt or forward flow agreement. After my initial complaint the company is now fluctuating the alleged debt up and down on consumer reports which I have no idea why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Account paid in full and still being harassed for payment and causing emotional duress and impacting credit score preventing me to get a loan. Have made multiple attempts to try and resolve this and still not provided a resolution. Currently I am locked out of my account to even view potential fraud and balalance charges to even dispute anything

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 2024-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or httXXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MA

Complaint narrative:
This involves an application to recast our loan. Our loan is serviced by XXXX XXXX XXXX Shellpoint Mortgage Servicing [ formerly XXXX XXXX XXXX  ] .They required us to send them {$200000.00} for a recast of our mortgage but then denied the recast and would not refund our recast payment. We have been trying to get this through since XX/XX/year> and they first sent the recast approval documents to the wrong address, and then denied us the recast because we had not returned the documents we never received. Then they said they were transitioning to a new owner and could not continue processing any recasts during the month of XXXX. So we reapplied for the recast in XXXX and were told to wire the money for the recast [ which we did ] and they would get approval from the 'investors ' and get back to us, and if they did not approve they would refund the money. They did not approve of the recast, based on an entirely new " eligibility '' requirement that was not disclosed to us and had not been a requirement when we asked to the recast. We sent in a written appeal to the President of XXXX XXXX and the CFO of Shellpoint Mortgage Servicing and got no reply. I have spent more than 10 hours on numerous phone calls [ most of the time on hold ] to them, explaining the situation and even gave them wiring instructions to send our money back, but they keep putting us off from one person to another, and when asked to speak to a supervisor being told there are none, and when asked to get an email or written confirmation of what the agent said they were going to do for us, they said they had no way to email or give us written confirmation of anything, that they just go from one call to another and there is no follow up. I finally, last week, was transferred to someone who they said was a supervisor, XXXX XXXX, who actually gave me an email address, and said she would get back to me, but she hasn't and the email address she gave me did not work. It is a scam that they are keeping our {$200000.00} wrongfully. We are XXXX  and we were relying on getting the loan recast so that we would have payments we can afford. If we can not get the recast we will have to sell the home that we just bought last XXXX for our retirement. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 

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 2024-08-01 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX AUTO, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX {$9800.00} XXXX  XXXX XXXX {$21000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$9800.00} CAF XXXX XXXX {$21000.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2024-08-01 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Account name # XXXX XXXX XXXX  Account # XXXX I asked XXXX XXXX Bank, XXXX and Equifax to remove a late payment on my credit report which is clearly reporting inaccurately information. They fail to show proof and they Violated XXXX XXXX XXXX  sent me a notice 31 days before this so called late payment. I sent in several letters to XXXX XXXX Bank and XXXX and Equifax along with proof of them reporting inaccurate information. All of my proof will be shown is the attachments. My next step is to take legal action against XXXX XXXX Bank, XXXX AND EQUIFAX! YOU WERE TOLD TIME AND TIME AGAIN TO REMOVE THIS LATE PAYMENT WHICH IS REPORTING INACCURATE. I CANT BE LATE AND ON TIME ON XXXX DIFFERENT CREDIT REPORTS AT THE SAME TIME. XXXX XXXX XXXX XXXXXXXX XXXX LATE EQUIFAX XXXX REPORTS I WAS O. TIME FOR THE MONTH OF XXXX! XXXX REPORTS I WAS ON TIME FOR THE MONTH OF XX/XX/2024 BUT ON TIME IN APIRL. THIS MAKES NO SENSE BUT SINCE YOU THINK THIS IS OK, I JUGDE WILL SEE THIS FOR WHAT THIS REALLY IS. I WILL BE HAPPY TO SUE ALL PARTIES INVOLVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-01 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 

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 2024-08-01 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: NM

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}

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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Navient is horrible. They have been for 15 years. I have been paying and now my balance is more that twice what I borrowed. They've shifted me over to another servicer, but only after telling me I was in good standing in the middle of XXXX and also that there had been some deference of which I was not aware ( I had paid what they wanted in XXXX ). At the end of XXXX, Navient itself had reported that I owed almost XXXX XXXX DOLLARS. Obviously, that's not gon na happen, but after this I HAVE to report after 15 years and since I've been with Sallie Mae and they turned to Navient, I have not had a moments XXXX peace. I've had enough of every month wondering about how much interest they've played the math game with that they expect me to pay this month. It's UNREAL. I borrowed {$250000.00} ... paid on it for 15 years. NOW I owe these XXXX almost XXXX XXXX  XXXX ( {$470000.00} ). I had to keep working through he pandemic and had no relief. I called and two representatives at Navient told me that " we choose not to participate in the adminstration 's deferment of federal loans... .so as long as we're your servicer, you will keep paying the normal amount. We OBVIOUSLY didn't have the same amount of business ... ..so my commission was much under what I would normally make. Someone has to do something about this. I'm supposed to be on income based repayment ( again, almost $ XXXX makes NO sense WITHIN TWO WEEKS ; and this is on IBR ). No one can MOVE under this condition. Navient deserves to be PUT UNDER THE JAIL. I would love for the loan amount finish line to cease moving. And I absolutely do not want anyone paying my debts back. I want my debts to be fair and not something that sabotages and shades my and my family 's future. We truly believe because I just wanted to be a XXXX, our lives are completely committed to a loan company and I have no fruits of my labor ( my husband also ; he's a XXXX XXXX XXXX XXXX and a XXXX  also ). WHY do we have it worse than those who have NO motivation and discipline??? DO YOU WANT to dumb the population down?? Because if I could go back, I would have not EVER tried to be the best I could ever be and believe my parents and grandparents and what they really built me up with. I say all that to say that the XXXX XXXX XXXX XXXX XXXX is because of Navient and other company 's XXXX. All just trash. I will NEVER be out from it. Neither will my husband. We worked to XXXX HARD to make a LIFE. And we have NONE of it because of this absolutely asinine " business. " They will not get the XXXX  they want from each of us. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
Transunion These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
My car was broken into and information was stolen. I think this information was then used to open an account to purchase phones. A balance is left on my account and says I owe money to a collection agency. I requested via mail with all three credit bearus to learn more about this debt but none have responded.

Company response to consumer: Closed with explanation