vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
Account name : XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX XXXX has been paid and should be off my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I am writing to request validation of a debt you have claimed I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of the alleged debt, and I am formally requesting such validation. 
Please provide the following information to validate the debt : The name and address of the original creditor. 
A copy of the original agreement or contract that generated the debt, showing my signature or other evidence that I agreed to the terms. 
A complete payment history that shows how the amount being claimed was calculated, including all fees and interest added. 
Proof that you are legally authorized to collect this debt, which includes : A copy of the assignment contract or agreement that legally transfers the debt from the original creditor to your company. 
Documentation showing the chain of title for the debt if it has been transferred more than once. 
A copy of any judgment, if applicable, that has been obtained against me. 
Please consider this a formal dispute of the debt until validation has been provided. If you are unable to provide the requested information, I request that the debt be removed from my credit reports and that you cease any further communication regarding this debt, as required by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have submitted several requests by phone and also by Shellpoint 's website for a copy of my statement ending XX/XX/year> since my account was transferred to them. I am now missing my XXXX statement. The website only shows me a total due and not the breakdown of how my finance charges were calculated for the HELOC. After numerous attempts I still have not received any statement. I would like detailed monthly statements mailed to me like before I was transferred to Shellpoint as the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of 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 2024-08-13 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: TX

Complaint narrative:
Credit Bureau failed to provide my requested written authorized validation evidence of fraudulent inquiries from companies per Fair credit reporting time frame of 30 business days. My request to delete go unanswered and customer service representatives confirmed receiving my FTC report but state they are unable to provide validation of inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/2024, on a social media platform, XXXX XXXX, also known as XXXXXXXX XXXX, promoted his services stating that he is a certified paralegal with an XXXX license in the State of Delaware and knows how to help with court cases and Trust documents. He kept pushing his services on me, and since I have extenuating family circumstances, such as a severly ill family member, I needed assistance with my court case. XX/XX/2024, XXXX XXXX initially wanted to charge me XXXX, but then stated it will be XXXX via paypal with purchase gurantee, for the services. I tendered the payment, and thus he was supposed to send an agreement, with a gurantee clause with proof of his XXXX certification. Two days went by, and no response no paperwork by email. He was given all the information required. I then spoke with him, asking for the required paperwork. He gave me the run around. I then asked others on the social media platform if they have testimonies of his work ethics, and found out that he was blocked from other groups, because he had scammed others out of their money. I did some research and found he lost his cases and was not certified by the XXXX as a paralegal. I then submitted a claim to Paypal for the refund stating that I was a victim of fraud and a scam. I called them, and they stated it will take 10 days to complete the investigation, but this also means they are holding the funds from me. Claims of fraud and scam, by law, are permitted to be sent back to the customer. They are requesting the seller to send them a certified mailing number to release the funds to him, meanwhile, I alerted them he is a scam artist and fraud. I demand paypal to release the XXXX to me immediately. The funds are apart of Trust property, in such, the Trust will have rights to sue for each day the funds are withheld, up to {$5000.00} a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I contacted the servicer Shell Point Mortgage to inquire who the Investor was for my loan from 18 years up til now. 

I also requested a deferment for three months which I was told I qualified for.

I also informed the servicer this is a investment property and the tenant is not paying rent and I had to pay the taxes and the tenant can not afford to pay.

So I applied for a 3 months extension to pay theses mtg payments.

Now, I had not heard from Shell Point so I decided to call them to request the servicet number again since the number that was given to me on a recorded line was incorrect.

After speaking with them today I was told by phone that my request was denied because I needed to be 60 days behind in XXXX  payments to qualify.

Now, I have owned this property for 18 years and I owe even more money then first originated. 

I am requesting to release of mortgage certificate I have no idea who the owner is of this loan and I want out. 

I have paid over {$300000.00} for a loan that was sold to a car lot for {$20000.00}. 

I feel I have paid more than my share for a loan that I should not be still owing the balance of. 

I know their was and advance of {$10000.00} that was paid to the HOA and I took a fall for that because I have been acting as a servicer for 18 years and was not told I had to pay this debit back but I did not have to pay this debit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: EGL US, LLC
State: AL

Complaint narrative:
According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. BMG Money is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. BMG Money is reporting a charged off account that has been sold off. BMG Money is also in violation of the Privacy Act of 1974 and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. BMG Money canceled the debt and did not send a 1099c and is still reporting the debt that was sold. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I have no association with these inquiries or the listed creditors. I request their immediate removal from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
I beg you please remove this from the 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 2024-08-13 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: NY

Complaint narrative:
XXXX XXXX account XX/XX/XXXX and XXXX XXXX account XX/XX/XXXX showing in collection which was paid off immediately. I was not aware of the amounts I owe due to the address change and never received the bill. I would appreciate it to be deleted as a collection accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
There are many items that is on my credit report that do not belong to me. i have submitted a written /certified letter requesting an investigation into these accounts. I was sent a letter saying that my documents and Fraud report were not sufficient and would not be accepted. I was also told plainly that the accounts were verified without any supported documents provided to me as a result of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NY

Complaint narrative:
The company attempted to collect in court, then waived judgement and then submitted the request for arrears, late, atty, filing and warrant fees through a collection agency for the amount of {$8300.00}. Our housing advocate worked with the attorney for XXXX XXXX, XXXX XXXX XXXX, XXXX who in an email to XXXX XXXX dated XX/XX/XXXX stated that by waiving the judgement prevents having to raise a defense as well as prevents a judgement from being filed for all the world to see but doesn't preclude the landlord from acting on the contract or putting someone into collections. The company ( XXXX XXXX ) reported that rent was owed from XXXX totaling {$6100.00}. It was reported to the company that canceled checks supporting payment of those alleged months were available, ( cashier 's check # XXXX - amount {$4000.00} covered XXXX, personal check # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX and ck # XXXX, {$1000.00} for XX/XX/XXXX. the company 's collection XXXX XXXX XXXX informed us that the account was now with XXXX XXXX XXXX. I spoke with a representative from the collection agency, XXXX XXXX extension ( XXXX ) several times and called back when advise only to hear that the resolution department was still working on the dispute, and nothing was noted as of date. The documentation was sent certified mailed receipt and signed by an IQ representative. I also disputed and submitted backup documentation with all 3-credit reporting bureaus. No one has been interested in getting to the truth or acting on the proof of payment. I was the co-signer ; however, he was approved for NYS Emergency Rental Assistance Program ( ERAP ) application XXXX which because of poor bookkeeping and miscommunications did receive payment as well but had to return because of an overpayment of funds. Uploaded copies of checks disputing the charges has been made available and are still available, but no one is listening and both parties still place their mistake into court, involved attorneys and collections without taking a moment to look at the proof. I'm not sure how we got here but we are and XXXX XXXX, XXXX XXXX ( XXXX XXXX ) and IQ Data are not open to correcting or rectifying this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
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.

Account Name XXXX XXXX : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief