vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to shellpoint mortgage and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.

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 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
They took acces to my account away over a mont and half ago and will not give me updates and will not provide me any information but still withdrawing money from account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
TransUnion has failed to remove a collection from a company who could not provide validation of my debt. XXXX XXXX instead sent verification that I did not ask for. This is a violation of my rights according to 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
Consumer complaint received 2024-10-23 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting of Repossession Fee by Santander USA To Whom It May Concern, I am filing a formal complaint against Santander USA regarding inaccurate reporting of a {$410.00} repossession fee that is negatively affecting my credit. The circumstances are as follows : I took out an auto loan with Santander USA in XX/XX/XXXX. 
In XXXX of XXXX, my vehicle was repossessed. 
I paid off the entire principal balance of the loan of {$14000.00} which included all associated fees, including the {$410.00} repossession fee, before the 30-day period following the repossession, which led to the release of the vehicle title to me. 
After this payment, Santander USA at some point refunded the {$410.00} repossession fee due to an issue on their end. 
However, months later, Santander USA recharged the {$410.00} to my account without any notice, causing it to appear as an outstanding balance on my credit report. 

I was never properly informed of this chargeback, and the fee was initially refunded after my payment was made in full. This reporting is not only inaccurate but also unjust, as I fulfilled all financial obligations tied to the loan. Despite contacting Santander USA, they have failed to correct this issue, and it continues to harm my credit. 

I am seeking assistance from the CFPB to investigate this matter and ensure that Santander USA rectifies this error by removing the {$410.00} repossession fee from my credit report. 

I have attached all supporting documentation, including proof of loan payoff, documentation of the refund and subsequent charge, and any correspondence with Santander USA. 

Please let me know if you need any additional information to assist in this process. I appreciate your prompt attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to express my concerns regarding a recent transaction dispute with Wells Fargo. Initially, I filed the dispute under the reason " Didn't receive my goods or services, '' which I believed to be accurate at the time. Upon realizing that this was incorrect, I promptly contacted the customer service department to have the reason changed. The representative I spoke with assured me that the claim would be updated to reflect " Returned merchandise but didn't receive credit. '' Throughout the claims process, I operated under the assumption that the dispute had been updated as requested. However, after over a month, I received notice that my claim was declined. When I inquired further, I was informed that the merchant had provided proof of delivery, which led to the closure of the dispute. 

I attempted to clarify that I had requested a change in the dispute reason, but it had never been updated. Unfortunately, I was told that the original reason for the claim could not be amended, and as a result, there was nothing further that could be done. 

The denial of my claim is due to the initial incorrect filing, and despite my efforts to have it corrected, the issue was not resolved. Had the dispute reason been properly updated to " Returned merchandise but didn't receive credit, '' I would have been able to provide return tracking numbers to support my claim and ensure a successful outcome. 

I believe the failure to update the claim reason has unfairly impacted the resolution.

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 2024-10-23 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax will not allow me to create an account and or view my credit score or credit report due to a discrepancy with my date of birth. Theyre stating that they do not have a valid date of birth on file and this is the reason for not being able to create an account and view my report or score. I was instructed to mail in via postal service documentation proving my date of birth. I dont feel comfortable doing so. I am unable to upload this information via their website because I can not create an account due to the same date of birth issue they are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Please allow me to come strait to the point. On XX/XX/XXXX. Brock & Scott , PLLC conducted the foreclosure proceedings on my property, in spite of being aware that their client, XXXX XXXX XXXX XXXX XXXX XXXX did not have legal standing to perform a legal foreclosure on my property. In addition to the violation to Georgia XXXX outlined in O.C.G.A. XXXX to XXXX, Brock & Scott , PLLC violated the Fair Debt Collection Practices Act ( FDCPA ) - 15 U>S>C> XXXX et seq. This law essentially states that if the law firm handling the foreclosure is acting as a debt collector, it is subject to the FDCPA, Under the FDCPA, debt collectors must validate the debt upon the debtor 's request and provide information about the creditor ( client ) for whom they are acting. The law firm can not legally pursue foreclosure without proper validation, and they must cease collection activates until they provide this information. Brock & Scott , PLLC was notified before they conducted the foreclosure, that their client did not have legal standing in this case. Nonetheless, they were also required by Georgia and XXXX law, to make sure of their client 's legal standing before they initiated any form of foreclosure proceedings. Further, they have violated the XXXX XXXX XXXX Reform and Consumer Protection Act - 12 U.S.C. 5301.This Act includes provisions designed to prevent fraudulent assignments and improper transfer practices in the mortgage industry. Please see Attachments XXXX fraudulent Assignment dated XX/XX/XXXX is fraudulent on it's face evidenced by it's robo-signing performed by signer XXXX XXXX, a confessed and well established robo-signer. The Corrective Assignment is not legal either. Brock & Scott , PLLC was purposefully negligent in pretending that their client herein named, had lawful authority to conduct foreclosure proceedings in my case. The actions of Brock & Scott , PLLC in my case are criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: WI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-10-23 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: WI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Public record information inaccurate on my credit report.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Public record information inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-23 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Around XX/XX/XXXX, I started receiving toll tickets which spark my suspicion, and I called XXXX XXXX  thinking it was in error. Then around XX/XX/XXXX XXXX  XXXX   XXXX  opened account XXXX in my name. 
On XX/XX/XXXX, I contacted the lender who confirmed they have been trying to reach me and advised I raise FTC report so that they can remove it from my credit. 

I raised an FTC report XXXX XXXX along with my drivers license, and social security information and forwarded same to them. 

Up to this moment, they have refused to remove the information or provide me with their investigative report on why they left such in my account. 
I believe the car company is complacent in these identity theft scheme and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CBC Companies, Inc.
State: WI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper Home Loan servicer for XXXXXXXX XXXX has admitted in writing RESPA error in recent resolution letters to me that in XXXX and XXXX for have not been using my mailing address of recored ( XXXX XXXX XXXX the HOME Loan location ). I have since learned they continue to mail an unauthorized 3rd party-am not receiving answers to my critical " QRW for Infomation '' dated XX/XX/XXXX ( USPS proof of delivery on file ). 
I have responded to them with QRR/Error request for information after receiving shocking reversal of there previous modification policy that they do not offer Modifications that increase a monthly payment amount. After not letting pay for 15 years in pending modification. They do not acknowledge or respond to this XX/XX/XXXX XXXX as of today. ( See Attached ). Additionally, they denied me for modification in writing dated XX/XX/XXXX, but have an active published ( not on hold ), XX/XX/XXXX Foreclosure sale date within 30 day of my invitation to appeal this erred denial for using the wrong " stream- line '' no documentation modification program that i did not apply for -- instand of reviewing my formal mod application & 34 pages income & other, How can you have a sale date before my 30 days to appeal is due.? And How do you have a sale date " active '' during a modification application or pending appeal in violation of Dual Tracking Foreclosure ban laws. 
the sale date of XX/XX/XXXX is active. Even though i received a letter from Mr. Cooper dated XX/XX/XXXX saying it was in hold- but in that same letter also says the sale is an active sales date. I wrote Cooper on this conflict of information in my QRW/Error notice dated XX/XX/XXXX, ( USPS delivery on file ). Please help. I am requested enforcement escalation with your deportment. I have ben in pending modification for 15 years with being required to pay my home loan. This is not right. Cooper has scammed me out of my home equity. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I never applied for the credit card. I opened up my credit report and seen the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: AL

Complaint narrative:
Repeated calls. Personal and work place. Calling my work place on a number I did not give out. I do not know this debt nor did I agree for my information to be sold.

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