vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
Over 10 years ago, I had an established service with a propane gas company where I rented a tank and they provided gas to the tank. In XXXX, XXXX bought the propane company that I was doing business with 6 years ago and started servicing me as a customer. After a couple of years of terrible service from XXXX, I canceled service and closed my account in XXXX. In XXXX, I started calling XXXX every month to ask them to pick up their tank. They would schedule appointments with me and never show up. In XXXX, I established propane service with a new company and had XXXX propane tanks in my yard. I called XXXX off and on for over 5 years to pick up their tank from my yard. After 5 years from my continued calling, they finally got around to picking up the tank. They billed me for {$350.00} for canceling the service closing my account and the tank pick up. I notified them that I wanted a bill detailing the charges and the signed contract where I initially agreed to service. I never signed a contract with XXXX. They bought the old company that I was getting service from and now they are trying to lock me into new charges. I asked to close my account over 5 years ago. Every year I had service with them I was subjected to a tank rental fee. I want to charge them a tank storage fee for leaving a tank in my front yard for over 5 years. I just received an email from A.R.M. Solutions collection services for charges of {$420.00} from the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
A fifteen year mortgage on our residential property at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, provided by XXXX XXXX in XXXX was assumed by Mr. Cooper ( " MC '' ) in or about XXXX. By letter dated XX/XX/XXXX, MC sent me a letter claiming that the commercial hazard insurance had expired in XX/XX/XXXX and that it would purchase such insurance unless proof of current insurance were supplied. Proof was supplied on XX/XX/XXXX by the insurance broker that a policy is in effect for the period XX/XX/XXXX to XX/XX/XXXX. MC refused to process the letter and sent a second letter dated XX/XX/XXXX threatening to purchase a policy. I resubmitted the XXXX, XXXX material on XX/XX/XXXX, which MC refused to process. On XX/XX/XXXX, at MC 's direction, I submitted the declarations page alone, highlighting the dates of coverage, which, on XX/XX/XXXX, MC again refused to process. The mortgage is scheduled to be fully paid in or about XX/XX/XXXX. It appears that MC is engaging in scam so that it will not return the escrow when the mortgage is fully satisfied. 
XXXX XXXX listing of complaints includes at least one other home owner who experienced the same consumer fraud and illegal debt collection practices committed by MC. The Loan Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/ Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXXXXXX XXXX with a balance of {$19000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXX XXXXXXXX  with a balance of {$19000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: ID

Complaint narrative:
The purpose of my complaint is a result of events that occurred on XX/XX/scrub>XXXX XXXX XXXX An employee from the debt collection company XXXX Structured Settlement XXXX XXXX, NV ) made phone calls to at least three of my immediate family members leaving overtly threatening, and alarming voice messages attempting to get information about me.

The family members contacted were my aging parents, my young son, and my brother who answered the phone call. The name of the employee is XXXX XXXX, but not sure this is spelled correctly. 

The phone conversation with my brother was especially disturbing and unprofessional due to the abusive language, yelling, and demands from XXXX XXXX, as well as the deceptive and false tactics XXXX XXXX used to try and extract information about me. XXXX XXXX made intentionally false ( illegal ) claims that each person he contacted was listed as a reference on a loan application, and demanded that his questions be answered because they were somehow liable due to their reference status and/or something bad would happen to me. Not only is this completely false, his conduct is a blatant violation of the FDCPA, which governs legal collections practices, and each offense is finable by {$1000.00} ( 3 instances ). These claims are easily verifiable as the company indicates all calls are recorded, and the recorded messages left with my family members, I still have in my possession. As of the date of this complaint ( XXXX ), the company has not attempted to resolve this unquestionably illegal conduct, even though we were assured someone would be reaching out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NV

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Fourth request before filing a federal lawsuit against the CFPB and the CRAs. This has been an ongoing, redundant process that has violated my FCRA rights, and again, I demand the deletion of these unauthorized accounts in my name immediately. Upon review of my recent personal credit report, I noticed that UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NE

Complaint narrative:
There are 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quest Legal Group
State: TX

Complaint narrative:
Received XXXX letters from Quest Legal Group, notifying me they were filing a lawsuit for severe delinquency on an installment loan taken from XXXX while working for XXXX. 

It states NSF fraud, named XXXX family members that would be subpoenaed. My name, address, and last XXXX of my social are correct, as well as the names of the family members. However, it includes a credit score which is incorrect, and I have never had an installment loan from this company, no NSF for a debt collection, and most importantly never worked for the employer named. 

This appears to be a scam to obtain in evy from me for a debt I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
There is a collections on my credit reports that doesnt belong to me. Ive told them it was identity fraud and they havent removed it. 
Its with National Credit Systems {$8500.00} is the amount Ive filed with the FTC and its still hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TDRCS/XXXX refuses to answer a phone ( they put you on hold for hours and nobody picks up ) and their website has NO forms to complete to contact them about your account. 
See for yourself - https : XXXX XXXX for yourself - XXXX Try for yourself repeatedly for several days, let your phone be on hold hearing their hideous hold music and find out for yourself that this company either needs to be sold off to another financial institution or be permanently closed because this is NOT helping people resolve issues. 
My specific issue is that they have inaccurately reported to credit bureaus and I need to notify them of their errors. 
I dont know what teeth you have, but these people must be held accountable and face consequences for refusing to take care of their clients. 
Please advise if you have any further suggestions on how to have this company face justice. 
Respectfully submitted, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation