vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: EQUIFAX, 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 XXXX 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 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Good afternoon to the Consumer finance. We had a loan being serviced by Shellpoint mortgage servicing and we refinanced with another lender. 

We paid them for the month of XXXX on XX/XX/XXXX but somehow they attempted to withdraw the same amount on XX/XX/XXXX from our account when we had already paid them on XX/XX/year>. The loan was paid off by our new lender on XX/XX/XXXX and we have {$7500.00} in escrow which is to be refunded to us We made several attempts to contact them at their customer service number. Shellpoint Mortgage servicing XXXX XXXX but it appears that once the loan is paid off all phone communication is also cut off. 

With that phone number they asked for either the social security number, the phone number or the loan number and after the recording says " We are unable to find for loan good bye!!! And it hangs up '' " Only people with a current loan number is able to contact them which is a bit unusual. Anyone should be able to speak to customer service even after their loan is paid off just in case there is a question or overbilling, escrow deposit not returned etc... 

We are left in the dark and their is no working number to contact the billing department to inquire about our escrow deposit which should be returned, us being billed twice for the monthly statement of XX/XX/year> and also Interests charged twice on the XXXX mortgage and the HUD ( XXXX statement ) Please help because they cut all communications with us and there aren't a dedicated phone number to ask questions, express concern with billing unless one is a current customer. Anyone should be able to reach their representatives for questions, concerns, escrow refunds etc ... not only current customers, past customers are completely left in the dark and are not able to reach anyone Thanks in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I tried to log into my bank account, it says my account is locked. So I called the Bank of America to see what the problem was and he told my account is being closed please call back tomorrow to check the status on the account. I explained to him that my direct deposit will hit on the account on XX/XX/XXXX and I have bill to pay on XX/XX/XXXX like everybody else. He continues to tell me to call back tmrw. I called my job right after and explained them the situation. They said if my account is being closed they should reject the check and will come back to the company and they would put the check in my other direct deposit. On XX/XX/XXXX I call the bank to check on the status of my account and they said my account isnt due for closure till XX/XX/XXXX. They accepted my XXXX deposit and he can only foul hardship for XXXX account. At this point I went to the bank to get more information and they continue to explain the same thing and how I have to wait up the XXXX business days to see if XXXX approved to withdraw my funds. If XXXX not approved I have to wait till XX/XX/XXXX to receive my funds. Today is XX/XX/XXXX I have called the every single business day it today marks the XXXX, my account still hasnt got approved to withdraw my funds from Bank Of America.

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 2024-11-06 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I noticed unauthorized inquiries 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, LVNV Funding/Resurgent Capital, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I am reaching out to seek immediate assistance regarding the closure of my Citibank account, as XXXX actions are causing severe financial and personal hardship. I previously filed a complaint ( Case # XXXX ), which was closed by the CFPB. However, recent developments warrant a review of XXXX actions, as they have further restricted my ability to access my funds and imposed timelines that have created significant challenges. 

Despite my efforts to resolve this matter directly with Citibank, I was informed that my account is scheduled for closure within XXXX  days, with funds to be held for an additional XXXX to XXXX  days post-closure. This delay, following my complaint about accessibility and verification requirements, feels retaliatory. The actions taken by Citibank have : XXXX. Severely disrupted my life, including forcing me to cancel essential, non-refundable travel plans ; XXXX. Placed undue financial strain on me, as I am unable to access my funds for a prolonged period without explanation ; and XXXX. Restricted my access to funds for daily expenses and commitments, compromising my financial stability. 

I am seeking guidance on any applicable laws that protect consumers from undue hardship caused by restrictive banking practices. Additionally, I request assistance in either expediting access to my funds or providing an alternative resolution that mitigates the hardship XXXX policies have caused. 

This situation has imposed an extreme and unnecessary burden on my life, and I am hopeful for a resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-11-06 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: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Disputed XXXX bill. That was XXXX XXXX  I have XXXX XXXX Capital One v. A dealer XXXX  XXXX XXXX Capital One bank USA again. XXXX XXXX XXXX XXXX XXXX XXXX  All of them have either infraudulent or don't have an accounts with them and it's still showing up on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-11-06 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: Car Credit Finance, LLC
State: MD

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Subject : Unauthorized Credit Reporting and Permissible Purpose Violation by XXXX XXXXXXXX XXXX XXXX XXXX, and Car Credit Finance Details of the Issue : I am filing this complaint due to improper reporting of my auto loan by XXXX XXXX on my XXXX credit report. I purchased a vehicle from XXXX XXXX XXXX, and the financing was handled by Car Credit Finance, a buy-here-pay-here dealership in Virginia. XXXX XXXX, which is not listed on my contract, has been reporting the loan to my XXXX credit report without any valid contractual basis or permissible purpose. 

Summary of Key Points : Unauthorized Reporting and No Permissible Purpose XXXX XXXX is reporting my car loan on my XXXX credit report despite not being a party to my financing agreement. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) [ 15 U.S.C. 1681b ], a company must have a permissible purpose, such as a valid contractual relationship, to access or report on a consumers credit file. XXXX XXXX XXXX  reporting constitutes a violation, as they have neither a contractual obligation nor my authorization to report this account. 

I sent certified letters disputing the reporting to XXXX XXXX XXXX  and Car Credit Finance, as well as to XXXX XXXX, via certified mail with tracking numbers ending in XXXX ( for XXXX XXXX ) and XXXX ( for Car Credit Finance ). I requested clarification and proper handling of this matter.

FCRA Section 623 ( a ) [ 15 U.S.C. 1681s-2 ] : This provision mandates that furnishers of credit information, such as XXXX XXXX , report accurate information and correct any inaccuracies once notified by the consumer.

FCRA Section 611 [ 15 U.S.C. 1681i ] : As part of my right to dispute inaccuracies on my credit report, I am entitled to a fair investigation into this matter by both XXXX and the reporting furnishers. XXXX acceptance of this inaccurate report is also a potential violation. 

Given XXXX XXXX unauthorized reporting and Car Credit Finances failure to clarify or correct, I question the accuracy of any related reports on my XXXX and XXXX files. This issue raises broader concerns about the reliability of data reported by Car Credit Finance across all credit bureaus.

I am seeking prompt assistance to rectify this issue and ensure compliance with FCRA regulations. The improper reporting by XXXX XXXX has impacted my credit profile, and their failure to verify permissible purpose violates my consumer rights. I request CFPBs intervention to enforce my rights under FCRA and ensure appropriate corrective actions across all credit bureaus.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of
Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.


In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, 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 2024-11-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: OR

Complaint narrative:
This is the second complaint here is the original complaint- I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back XXXX hours later from XXXX the customer service XXXX and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the XXXX  days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it. 

On XX/XX/XXXX I got my money back and a response from XXXX saying they were going to refund the {$25.00} then today XX/XX/year> I get a letter in the mail with a balance of {$26.00} from XXXX. I went online and sure enough the reopened the account and are also reporting it on my credit. This account was supposed to be closed in XXXX when I first paid it off.

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