vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
House was damaged by XXXX XXXX XX/XX/XXXX claim checks are not being processed by mortgage company. My insurance portal from servicing company has conflicting information of when endorsed checks were mailed. Example on 'their '' portal, states endorsed checks returned XX/XX/XXXX however portal also states checks received XX/XX/XXXX. this is impossible. After numerous inquiries I also get double talk and runaround. 
Spoke with claims representatives XXXX XXXX early XXXX, XXXX XXXX thru Email wrong information given, XXXX XX/XX/XXXX misinformation and unhelpful, XXXX XX/XX/XXXX was put on hold and never to return, XXXX XXXX XX/XX/XXXX reffered back to different department extremely unhelpful. Unable to repair house fully without money from homeowners insurance which paid claim but monies not released by NewRez until house is fixed to repair damage and inspected.. How can repairs occur unless XXXX layout all my own money and pay mortgage then they release monies after inspection? I requested as to where in original mortgage papers I signed this is legal or authorized and they could not provide as this is the 3RD time mortgage has been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
TransUnion has not answered my very simple question and in the past they have claimed to mail me responses which were either never received or addressed. Please answer this XXXX simple question on the CFPB 's messaging system instead of claiming you will mail me an answer : Why did you sell my information to XXXX that was used to set up a false account that is now well in arrears? Especially due to the fact I had/have both credit freezes and fraud alerts in place.

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 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
On XX/XX/2024 the Law Office of Brett M. Borland P.C. communicated with me through the mail attempting to collect a {$4200.00} debt from XXXX XXXX XXXX XXXX. 

In their communication with me they presented fraudulent and altered documents in an attempt to validate this debt. 

In addition to this the Law Office of Brett M. Borland P.C violated several sections of the FDCPA including 15 USC 1692g 809 ( a ) ( 4 ) & ( 5 ).

15 USC 1692f 808 ( 1 ) 15 USC 1692e 807 ( 10 ).

15 USC 1692 805 ( 3 ) 15 USC 1692e 807 ( 10 ) 15 USC 1692j 812 ( a ) Even though the company did not mention in their letter my right to spite with 30 days of their communication I responded to them on XX/XX/2024 disputing the debt and demanding that they cease and desist all communication with me. 

Lastly, this same " debt '' is reporting on my credit report from a totally different collection company ( XXXX XXXX XXXX ) which leads me to believe that this debt collection company is falsely reprinting themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Opened Credit card with Citi Bank in XXXX of XXXX and last time I had access to the account was XX/XX/XXXX which at that time my credit limit was {$2700.00} dollars and only had used {$700.00} dollars of it. I have not had any access to this account since XXXX of XXXX. Found out in XXXX of XXXX that my identity was stolen and someone had used all my credit cards and got loans in my name without my knowledge or permission. Citi is saying that I owe over {$5000.00} dollars which is inaccurate cause my credit limit was only {$2700.00} dollars. According to documents I have received from Citi of statement history I pointed out to them that I never asked for a balance increase nor did I ever do a balance transfer. I have disputed this with the company and credit bureau multiple times to get this resolved but to no avail.

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 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
The original creditor ( XXXX XXXX ) has fabricated charges and sent them to a collections agency. This has been my complaint from the beginning that the collections agency is attempting to collect on charges they are not valid and hurting my credit at the same time. The collections agency has made no attempt to verify the charges other than asking the original creditor ( XXXX XXXX  ) and then taking their answer at face value. Their ( XXXX XXXX ) bill is just something they have typed up and should not be accepted as factual evidence to substantiate charging me or validate the collections agencies attempts to collect from me. The original creditor ( XXXX XXXX ) should need more proof than their word and a bill they created that I have never seen up until now and the collections agency should want more as well if they plan to collect the money. I think its absurd a company can just claim someone owes them money with no proof other than a bill they made and their word that has already proven to be unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Louisiana is not licensed to conduct business in the state of California ( MobilLoans ) and they are still providing loans illegally. They reported to the credit agencies a charge off when the loan was not legal in California. They also violate the California Usary Law with the amount of interest they are charging

Company response to consumer: Untimely response
Consumer complaint received 2024-02-07 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: OH

Complaint narrative:
Experian has an incorrect account listing of an account with XXXX on my credit report. 

I attempted to make a purchase using XXXX  through XXXX. However XXXX  canceled my order immediately after completing checkout. XXXX has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to experian a loan that does not exist and refuse to refund my down payment. 


Experian has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did. 


Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX I sent out a dispute through XXXX XXXX & I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : ATLANTIC CAPBKXXXX ( Twice ) & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023 I sent a letter to ALLIANT CU to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has ALLIANT CU complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). 
Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Healthcare Management, LLC
State: OK

Complaint narrative:
AR Services called me claiming to be trying to collect a debt I never made and had all my personal info. SSN, birthdate, address, phone number, a copy of my drivers license picture first said it was a medical debt then changed the story to a payday loan from XXXX. Threatened to send to the credit bureaus if I didnt make a payment today of over {$700.00}. My boyfriend was able to call and get an address from the lady after she hung up on me several times after yelling at me and threatening. The address she gave is not legit for the company name she claimed to be calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To CFPB, This is XXXX XXXX XXXX and everything I state in this complaint is from personal first hand knowledge of this matter and is in regard to a closed complaint # XXXX LVNV Funding LLC. 

I am sending this complaint because LVNV Funding is continuing to report private information on my consumer report without any express or implied authorization. I deny owing this alleged debt. I do not have a contract with LVNV Funding as they are a junk debt buyer. They have purchased the alleged debt and will not show proof that they have a contract, proving security interest or claim to this alleged debt. Additionally, they have stated in the closed prior complaint, previously mentioned # XXXX that they were assigned this alleged debt. LVNV has provided hundreds of pages of the same alleged loan documents, which can not be proved to originals. 
I have asked on numerous occasions that LVNV provide the : - contract that assigned them this alleged debt stating I would pay LVNV Funding for this alleged debt, with my original wet ink signature -The original promissory not, which has yet to be produces for authenticity. 
-Proof of consideration from XXXX XXXX XXXX XXXX XXXX that I was loaned the alleged loan amount pursuant to 12 usc 1431- banks duties are to borrow. 
-Signed contract between LVNV Funding giving them permissible purpose to furnish my private information to a XXXX party affiliate in which I have no contract with. 

I don't owe this debt not do I know who this company is attempting to extort me to pay this alleged loan amount. I demand a affidavit from someone from LVNV Funding and it's affiliates stating they have first hand knowledge of the consideration given by LVNV Funding to state a claim or first hand knowledge from XXXX XXXX and XXXX Funding that they gave consideration and performed under for the alleged loan amount. 
Please review their attempt for establishing a right to claim an interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2024-02-07 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: MD

Complaint narrative:
Transunion has failed to update my creditor report numerous times. I have old and outdated information in my report. The report lists accounts that are closed and accounts that do not exist. The TransUnion company tries to blame the banks or creditors. But the other XXXX credit agencies have updated to reflect the proper information under my report. This agency doesn't take ownership for not updating the report monthly like they are supposed to for each consumer. I shouldn't be getting declined for a credit card because of the non-existence of XXXX credit cards, XXXX auto loans, XXXX student loans, and XXXX personal loans on my credit. I have XXXX XXXX XXXX credit card, XXXX XXXX account, XXXX student loan, and XXXX auto loan, and XXXX personal loan. Where are they even getting the wrong information? I need this corrected asap. I need my credit report refreshed for all creditors. The person I spoke with on the phone could see things that me and the creditors are not seeing. How does it work out if a company can see your report is good but the creditors you need can't see your report is good? They still think you have a ton of debt because an old report with collections that have been resolved for years and fake information is posted for all to see.

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 2024-02-07 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OR

Complaint narrative:
We moved and set up XXXX internet / cable at our new house. No issues or complaints/ collections came from charter. 

My credit just dropped. When I looked into it IC system had dinged my credit. 
They never reached out to me. I had no idea who they were or what charge was for. 
I called them, they explained XXXX XXXX wanted {$170.00} for unreturned equipment. This is very strange because XXXX. I returned equipment, XXXX. XXXX never requested money from me and I have a current account with them so they have all of my information it would be easy to reach me. 
This is what was listed for reason for credit ding " The collection agency is I C SYSTEM. The original creditor was XXXX XXXX COMMUNICATIONS. '' I paid the amount because I didn't want my credit to tank further ( down XXXX pointes over a {$170.00} charge ). We are in the process of applying for a construction loan so it is a huge deal for us we lost our rate. 

IC Systems confirmed on the phone that they had sent the bill to an address I no longer lived at and addressed bill to XXXX XXXX ( I have been legally XXXX XXXX - married name - since XXXX ). The charge in question happened in XX/XX/XXXX. 

We no longer qualified for the loan we needed. I paid the charge I am not sure I should have because I never heard from Charter. IC Systems never let me know that they were trying to collect from me. IC Systems said they would flag the transaction but my credit is still down XXXX points.

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 2024-02-07 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: MD

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.

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 response to consumer: Closed with non-monetary relief