vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I owed {$19.00} and was kicked out of my apartment in XX/XX/year>. They charged me a thousand donates a month until XXXX. They also charged me for my deposit instead of returning. I wasn't the only signer on lease. They had me sign the wrong lease to begin with. I never signed the lease for where they say the debt occurred. I have emails, documents and screenshots to verify this. I have tried multiple times in the past XXXX months to get ahold of the debt collectors to discuss this. Have sent them the emails and documents showing this. In XXXX of XXXX they also sent the lease back to my insurance agent ( same month I was kicked out ) stating they were to cover fees from my pet saying I didn't pay that deposit either. They will not answer my phone calls or emails. This has been on my credit almost XXXX  years. It's keeping me from being able to get any financial help for me or my business because of my personal credit having this negative charge of almost {$4000.00}. For owing {$19.00} from XXXX. Which again, I have proof of all this and sent it to them to no avail. The company is NationalCreditSystems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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:
I am a victim of identity theft and I have inaccurate information 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 2024-07-21 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: TX

Complaint narrative:
I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of date, I have not received a response from your company, and you failed to notate the account XXXX was in a dispute. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. The current status of loan ID XXXX is summarized below. XXXX ID : XXXX Loan amount : {$300.00} Date applied : XXXX. You are reporting a monthly payment on a charged off account which is a violation of the FCRA. You are also reporting the incorrect balance which is another violation. Attached is the XXXX XXXX for your violations which payment is to be remitted to the address on the invoice.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: NY

Complaint narrative:
XX/XX/year> mortgage loan was transferred from XXXX XXXX XXXX XXXX. Upon transfer I requested a mortgage assistance program from XXXX. I was approved for a forebearance where I was required to make {$100.00} / month and upon exiting forebearance- I will be given a repayment plan for arrears. A request to exit forebearance was made XXXX and at this time- the Mortgage was transferred to Selene finance XXXX 
Upon time of transfer- XXXX XXXX that I had 120 days late payments however showed all payaments were made on time. 
I am asking XXXX to remove the 120 days late payment note on all three credit bureaus. 
See attached documents regarding forebearance with XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: SC

Complaint narrative:
Account still reporting a balance with one of the bureaus. Showing different account numbers for the same account. Last reported date is wrong and showing that no information has been updated or reported. Balance is wrong. Account is paid and closed. Cant be a charge off account in May then reporting that its OK and in good standing in XXXX and then back to a charge off account in XXXX. And reporting a {$800.00} balance when its supposed to show a {$0.00} balance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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:
Throughout the past two years I have repeatedly sent correspondence to Trans Union to remove an inaccurately reported bankruptcy and its associated account, This has negatively affected my credit profile. This bankruptcy nor its associated credit file appear on any other credit agency such as XXXX or 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 2024-07-21 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-21 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-21 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:
On XX/XX/year> there was a debt put on my TransUnion Credit report that isn't mine and I believe it belongs to someone else its from a company named XXXX XXXX XXXX and the amount is for {$7900.00}

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 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Im writing to express my deep disappointment in Rushmore Loan Management, Rushmore Servicing and Mr. Cooper. Allow me to explain...

When my loan was held by Rushmore Loan Management, I was asked to provide a copy of the XXXX policy ( see attachments ). I provided evidence of this, but then was notified that they purchased an XXXX  policy for me and included it in the escrow. I was unaware of this until the loan was transferred to Rushmore Servicing. At that time, Rushmore Servicing continued to escrow for the XXXX  policy knowing the policy was covered under my HOA ( XXXX XXXX ) since the inception of the loan in XXXX XXXX. 

I have spoken to several Rushmore Servicing agents, escrow department, insurance department and loss mitigation department over the year to update my policy, but unfortunately, that has not occurred. This issue has now cost me {$2000.00} to bring my loan up to date and escape foreclosure scheduled on XX/XX/XXXX. I made a payment on XX/XX/XXXX of {$2000.00} and hope to rectify the problem by recovering the overcharged amount for an XXXX policy from XXXX XXXX to today. My loan payment was {$490.00}, but since Rushmore Servicing was charging me for XXXX insurance, the loan payment increased to {$580.00} for the period of time in question. I understand that Rushmore Loan Management is no longer in existence and transferred all loans to Rushmore Servicing ; therefore, I can not contact Rushmore Loan Management directly. I was also information that my XX/XX/XXXX payment was not received which isn't correct ( see payments attached below ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OH

Complaint narrative:
I am a victim of identity theft and I have inaccurate information 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 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
They call me days upon days, weekends and nights mornings. It doesnt matter they call me all the time. I want you to tell them to cease to desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Hard inquiryXXXX 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 2024-07-21 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: GA

Complaint narrative:
I am writing to dispute the following unauthorized hard inquiries on my credit report. I have reviewed my credit report and found these inquiries, which I did not authorize. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these inquiries and provide me with the results of your investigation. If the inquiries are found to be unauthorized please remove them from my credit report. immediately.

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 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TRANSUNION, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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 2024-07-21 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: IL

Complaint narrative:
Dear Equifax, This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the XXXX XXXX XXXX XXXX XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX XXXX XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: AL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from 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 2024-07-21 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: OH

Complaint narrative:
I am a victim of identity theft and I have inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/year> {$630.00} I have been a victim of identity theft. I have a police report on file. The company had been harassing me with phone calls.

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 2024-07-21 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: IL

Complaint narrative:
Dear Equifax, This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the XXXX thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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:
Equifax and XXXX are reporting an account that doesn't belong to XXXX XXXX XXXX. The company that is being reported in error is XXXX XXXX XXXX. The name they are reporting is XXXX XXXX. My name is XXXX XXXX XXXX. 

Attached is documentations shows it being reported to equifax and XXXX XXXX XXXX credit file it has been disputed and deleted as of XX/XX/year>. 

Please see attached proof of identity my driver 's license, ss card, and utility bill for address proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I need to add additional information to an existing case ; Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation