vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX about a payday loan taken out on XX/XX/2016 that I never applied for or received. Unable to provide original info or what state the application was applied from or who the exact payday loan person was at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Back in XXXX  my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. 

I have no connections or knowledge about any account listed. please help me on correcting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: WA

Complaint narrative:
XXXX XXXX has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies experian, XXXX and XXXX telling them to stop reporting. They did not abide

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
Experian XXXX agency has failed to provide me with their method of verification of a disputed account. Additionally, they have not provided me with their proof that the account is correctly being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NM

Complaint narrative:
I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. This situation was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track. I want the late payment removed from my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I filed a complaint against Mr. Cooper for making false statements at a Summary Judgement Hearing claiming XXXX XXXX  as Trustee for the XXXX Trust series owns my mortgage and note. Compliant number XXXX. I provided proof from XXXX XXXX  in a written statement that they don't own my mortgage and have no record of me and that the trust has not existed since XXXX, which mean my payments never went to XXXX XXXX  for them to claim a default. The modification they rely on also does not list XXXX XXXX, or trust. I asked for proof and their response on XX/XX/XXXX was another smoke and mirrors game. They did not provide any evidence form XXXX XXXX, or the trust via, corporate statement from XXXX XXXX, or trust, or proof my payments were sent to them after they received them from me. Their response was just a generic statement " We can confirm that XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX is the owner of the above referenced loan. '' They refuse to show proof that XXXX XXXX  signed the Modification and they recieved my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: LA

Complaint narrative:
In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Verify the accuracy of the reported late payments. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The Following Information is XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this 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 2024-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH/Ocwen is trying to steal my house. The FHA subsidizes all losses on this property. Their response to XXXX fails to address why the valuation appeal was denied and why that denial was communicated XXXX  days after the judicial sale, see the XX/XX/24 letter attached. This sole action violated their own rules ( see their reconsideration of value process below ) and why they " repurchased '' my home at the judicial sale for an overvalued price violating the heir payoff process and HUD 's rules/laws governing reverse mortgages that grants heirs the sole exclusive right to purchase the property at XXXX % of the current value. The following ( XXXX ) questions need to be answered, XXXX. Why was the appeal denied and provide the qualitative data XXXX. Why did they proceed with the judicial sale before resolving the appeal as per their own reconsideration of value process? XXXX ) Is PHH going to self-correct this violation by submitting me the previously rescinded contract of {$52000.00} which will be wired to them within XXXX days? 

PHH violated their own process, see following : RECONSIDERATION OF VALUE PHH is committed to ensuring any valuation used in our servicing practices are independent, and are free from bias, discrimination and undue influence. If you believe that any person has attempted to influence the real estate agent, broker or the XXXX for your propertys valuation or if you have any concerns with the factual or other errors or omissions, inadequate comparable properties, reliability or credibility of the valuation in any manner, please report your concerns to us as soon as possible with evidence to investigate this matter by writing to the address below : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
Credence Resource Management , LLC is a XXXX Collector. XXXX, offer to resolve your XXXX account XXXX with a balance of {$450.00} for only {$200.00} if your payment is received in our office by XX/XX/2024. This is a savings of {$240.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTOP to stop This was paid in full and corrected but the original company. Closed in good standing the XXXX will not verify my contract and keep texting me. No mail has been sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
After reviewing my TransUnion credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachment below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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:
Equifax credit bureau in disputes inaccuracy on inquiries *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX keeps marking different complaints about different issues duplicate. They need to respond to them or Ill create a whole new channel of disputes/claims about this issue. 

I need a purchase agreement or cease all collection. I will send you a CFPB every single time you mark it as duplicate and then I will let every single agency know, how many time you keep doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have been hit with a mortgages increase from XXXX to XXXX. This was due to a mistake on my taxes. They have my taxes at XXXX and my taxes are only XXXX according to the county of XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
I'm a XXXX XXXX XXXX  customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX XXXX XXXX XXXX XXXX account holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with SSN and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In prior complaints I have requested the original XXXX and buyers order from Both Capital One and XXXX XXXX. I was sent these documents. ( Attached to this complaint ) I have responded to XXXX XXXX telling them this is not what I signed. His email to me was offering me {$500.00} to basically drop my complaint and I refused. This is now a case of fraud. The purchase was done online not in the dealership. I was sent documents to sign in front of a notary on the XXXX of XXXX which now shows these documents are fraud and were done before I signed the real paperwork. I never agreed to this buyers order. I was sent documents that showed the car was in an accident that I was never aware of and would have never agreed to purchase If I knew this. I was the main buyer and the co-borrower is XXXX XXXX on the original notarized documents we signed. Please provide me with the notarized RIC and buyers order signed with the notary by XXXX XXXX as buyer and XXXX XXXX as co borrower. I am attaching the email to show the documents were sent to me after this date of XX/XX/XXXX. So these are not valid documents you have presented to me. You can see them email sent to me on XX/XX/XXXX is an affidavit to have signed in front of a notary. Then all other buyers orders were sent to me as well to be signed. How did XXXX XXXX get funded XX/XX/XXXX without me signing or agreeing to anything? You can also see they have the buyers order with me as the buyer and XXXX as co buyer. This is why XXXX XXXX XXXX XXXX, is offering me XXXX now. ( See his Email )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
these inquires are from creditors i dont know are do business with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
these inquires are from creditors i dont know are do business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: WA

Complaint narrative:
XXXX XXXX XXXX OF XXXX Are negatively reporting on my credit report even though my students loans are in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: WA

Complaint narrative:
XXXX XXXX XXXX OF XXXX Are negatively reporting on my credit report even though my students loans are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: WA

Complaint narrative:
XXXX XXXX XXXX OF XXXX Are negatively reporting on my credit report even though my students loans are in good standing.

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