vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On XX/XX/year> you reported UNABLE TO PROCEED WITH XXXX  AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER XX/XX/year> XXXX COMPLAINT/ESCALATION. 

1 send me a copy of the borrowers unresolved complaint 2 the investigation you took and the results of the investigation including all documents involved, 3 when was the unresolved issue investigation completed and what corrections did you make What is the date of the letter you sent to me, include copies of any and all correspondence you send me required by 1024.35 Error resolution procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A collections report appeared on my credit report from CREDENCE RESOURCE MANAGE for and " XXXX XXXX  '' account opened in XX/XX/year> that went to collections in XX/XX/year>. I did not open any new accounts in XX/XX/year>. I have received no bill notifications. I have no knowledge or access to this account. I have confirmed with XXXX XXXX XXXX  that I do not have any overdue balances on my real account. This is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I am writing to file a complaint against Ability Recovery Services LLC, XXXX XXXX, XXXX and XXXX for their refusal to address my credit report disputes. Despite the conclusion of litigation related to my credit report, these credit bureaus continue to claim that they can not respond to my disputes because my complaint involves the same issues raised in pending or prior litigation. This is a clear manipulation tactic to avoid their responsibilities under the Fair Credit Reporting Act ( FCRA ) Details : XXXX. Litigation Status : The litigation related was fully resolved on XX/XX/year> I will attach relevant court documents. 
XXXX. Dispute Attempts : Since the litigation ended, I have submitted multiple disputes regarding inaccuracies on my credit report to all XXXX burueas through the CFPB. However, they have consistently responded by stating they can not address my disputes due to ongoing or prior litigation, which is factually incorrect and manipulation. 
Under FCRA ( 15 U.S.C. 1681i ) They are required to investigate any disputed information within XXXX  days, regardless of litigation status and their refusal to do so may be in violation of Federal Law XXXX. CFPB Complaints : XXXX XXXX. Debt Collector Re-reporting after Settlement Agreement : Lastly ABILITY RECOVERY SERVICES , LLC is in violation of the settlement we had in the previous litigation and reporting the same information from the identity theft they are reporting this on behalf of XXXX XXXX they do NOT have permissble purpose to do so again this was an identity theft litigation that has since been settled I will provided attachments.

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 2024-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage company is illegally charging me tax fees for my home in XXXX XXXX XXXX  and is, once again, refusing to return the money they have illegally taken from my bank account!!! 
They did the same thing earlier this year and refused to do anything to resolve their mistake until I filed a complaint with the CFPB. 
This company has just recently settled a multi-million dollar lawsuit for charging people unnecessary fees. HOW IS A COMPANY LIKE THIS ALLOWED TO OVERSEE XXXX XXXX XXXX!!!!!!! 

PLEASE REFER TO THE PREVIOUS COMPLAINT I FILED ABOUT THIS COMPANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a letter dated in XXXX  stated that a XXXX 's account has been deleted from my credit profile. XXXX, XXXX and Transunion still continues reporting negative on my credit profile.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.

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 2024-08-17 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: CA

Complaint narrative:
I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I was recently informed of a negative information report included in the file ChexSystems maintained under my Social Security number. Upon ordering a copy of the report, I found an entry from XXXX XXXX XXXX XXXX from XXXX. 
I am unaware of ever owing this bank {$8600.00} on these date : Reported For : Non-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$8600.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX Please validate this information with ( the bank listed above ) and provide me with copies of any documentation associated with the said Reported Information bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
RE : Consumer ID # XXXX Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX Sincerely, 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 2024-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I PAID THIS ACCOUNT OFF TO A XXXX BALANCE ON XX/XX/XXXX, WAY BEFORE THEIR CLOSING DATE OF XXXXXX/XX/XXXX. AND YET THEY CHARGED ME A {$2.00} FEE FOR THIS LAST STATEMENT, I REFUSE TO PAY THIS. IT IS BEYOND RIDICULOUS THIS {$2.00} FEE FOR A PAPER STATEMENT THAT THESE COMPANIES ARE CHARGING NOW. THEY CAN WRITE THIS OFF BECAUSE IT IS A STUPID FEE FOR NOTHING. I KNOW THE ACCOUNT IS PAID OFF, AND I WANT A NEW STATEMENT REFLECTING THE ACCOUNT AT A XXXX BALANCE AND THEY DON'T HAVE TO SEND ME ANY MORE STATEMENTS UNLESS I DECIDE TO DO BUSINESS WITH THIS COMPANY AGAIN. AND CHARGE THAT CARD AGAIN. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) REFLECT THE ACCOUNT AS PAID OFF WITH A STATEMENT TO ME REFLECTING THAT IT IS AT A XXXX BALANCE AND WAIVE THE {$2.00} FEE YOU APPLIED TO THE MOST CURRENT STATEMENT. AND SEND SUCH INFO TO ALL CREDIT BUREAUS. 
ALSO PUT PAPER STATEMENTS TO ME ON HOLD UNLESS I STARTED USING THIS CARD AGAIN AT THIS PARTICULAR STORE. I CAN ONLY USE IT AT THIS PARTICULAR STORE - SHOP HQ/CARD BY SYNCHRONY BANK.

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 2024-08-17 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: DE

Complaint narrative:
This account must be deleted as the status is not correct. The amount is not correct. 

Here information 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 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have an identity theft that have the dates on all these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-17 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: KS

Complaint narrative:
I have an identity theft that have the dates on all these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My rights were violated by XXXX XXXX XXXX XXXXXXXX, they are reporting incorrect information that has damaged my credit and impacted my family/business. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: LendingPoint Holdings LLC
State: MI

Complaint narrative:
I received a credit disclosure email from XXXX XXXX XXXX. I believe that this company has been illegally using my information since I first signed up for a loan with them in XXXX. I have a loan from XXXX with them that I didnt not authorize which was sold to a debt collector. Then today ( XX/XX/XXXX ) at XXXX I received a credit disclosure email which states that the company ran my credit again without my permission on XX/XX/XXXX. I did not authorize this and someone within the company is illegally using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: KS

Complaint narrative:
I have an identity theft that have the dates on all these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report.

The details of the disputed debts are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Card Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( Equifax, XXXX, and XXXX ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them. 
These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report. 
The details of the disputed debts are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Credit Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Card Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( XXXX, Experian, and XXXX ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them.

These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation