vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX 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: BetterNOI, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX I paid my move-out payment for XXXX XXXX in XXXX, California amounting to {$680.00}. 
XX/XX/XXXX, XXXX I received a second letter from IQ Data International , which is a debt collector company, regarding this debt. This time, the amount listed is at {$680.00}. 
XX/XX/XXXX, XXXX I called IQ Data International to dispute this debt. I provided them thru email with receipt from XXXX XXXX and a proof that the check has been cashed out from the bank. I was told that since I made a dispute, I do not need to make any step further and that my record will not be forwarded to any of the credit bureaus. 
XX/XX/XXXX, XXXX I was notified by my account that I received a derogatory record on my XXXX account filed by IQ Data International . The amount owed listed is at {$690.00}. 
XXXX XXXX, XXXX - I called IQ Data International, and I was told that I have to pay them the amount owed at {$690.00} since my debt is still open. I was told that if I want this to be cleared, I should settle that amount to them. I refused since I said I already paid that amount and provided proof for that. I was told that they did not hear anything from XXXX XXXX  clearing that debt that is why my account is still open and was forwarded to the credit bureau. 
XXXX XXXX, XXXX I submitted my XXXX dispute letter to IQ Data International and forwarded it also to the supervisor handling my case. I attached the XXXX record showing the derogatory record filed by them, a copy of the check submitted to XXXX, and a copy of receipt from XXXX XXXX XXXX 
XXXX XXXX, XXXX I called XXXXXXXX XXXX and spoke to the manager. I was told that my account has been settled and that they did not receive any form of communication from IQ Data International. I was told that they will email IQ Data International to clarify this matter. I asked to be included in the correspondence so I can have a paper trail of the conversation but the manager declined my request. 
XX/XX/XXXX, XXXX I called IQ Data International to confirm receipt of my dispute letter. I was declined to be provided with that information. I asked for an acknowledgement receipt for my email but the person I talked to declined my request as well. I asked if they have received any email from XXXX but he declined to provide that information. I was also asked again to pay for the amount for my name to be cleared, which I refuse to do.

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 — Payment process
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XXXX a payment attempted to be drafted from my PNC XXXX and I requested it be returned. The same day I made a payment from my XXXX XXXX account XXXX the payment reverses. A deposit is made into the PNC XXXX and the payment is retried and debited from the account XXXX I asked for a positive balance return, rush on dispute, and payment refund. 
The positive return was denied, rush request denied, and payment refund was requiring a statement from XXXX XXXX to return my PNC payment. 
PNC should not care about the XXXX payment when returning the PNC payment

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

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

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX. XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account XXXX  XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased my home and obtained a loan serviced by Newrez ( Shellpoint Mtg ). At closing, I paid for my property insurance in full for a year ( XXXX XXXX. XXXX with XXXX ). Attached is the settlement statement and policy information. 

My XX/XX/XXXX mortgage statement ( attached ) showed that Newrez advanced {$7200.00} on XX/XX/XXXX for Hazard Disbursement. 

On XX/XX/XXXX at XXXX PM, I called Newrez 's Insurance Department. I spoke to XXXX who asked a few clarifying questions about my policy. During the conversation, it became clear that Newrez paid an insurance policy that did not belong to me. They paid a policy that belonged to XXXX XXXX, who was the previous owner of the home I purchased. XXXX updated my policy information and ordered a Refund Retrieval. She asked that I call back on XX/XX/XXXX to check the status. 

On XX/XX/XXXX at XXXX AM, I called Newrez 's Insurance Department and spoke to XXXX. He stated the matter was resolved and funds had been credited to my escrow. He asked me to wait till XX/XX/XXXX to see it reflected in the account. 

On XX/XX/XXXX at XXXX XXXX  I called Newrez 's Insurance Department and spoke to XXXX. She said the funds had been refunded and this was an escrow department issue, not insurance. She transferred me to Customer Service and did not explain what had happened on the account. 

The customer service agent XXXX, explain that the refund is from the insurance company and I needed to do the follow up. I explained that the insurance policy that Newrez paid out of my escrow, was not mine, and had a different name. I stated that I could not call to the insurance company to inquire or request a refund on someone else 's policy. He put a request for an escrow analysis be done and assigned case no. XXXX. 

I followed up through Newrez 's " Chat With Us '' online features. At different times agent advised me that the analysis was ongoing and due to be completed XX/XX/XXXX. I reached out on XX/XX/XXXX and online agent told me to give it XXXX more days. 

On XX/XX/XXXX at XXXX XXXX, I called Customer Service to follow up on case # XXXX. I spoke to XXXX who informed me that my case was not really an escrow department issue. He transferred me to the insurance department. 

XXXX from the insurance department apologized for the inconvenience and said that he would " put a ticket '' for a Fund Retrieval to obtain the funds back. He advised me to wait XXXX days. I asked for the " ticket number '' and he said they did not have XXXX. I expressed concerned that every time I called I had to explained and even the insurance department.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Saw negative amount of deposit last night in account. 
Something was going on with my deposits from another bank and they were all being returned. My balance was negative, but the federal SOCIAL SECURITY XXXX payment of XXXX took care of it and brought my balance positive to XXXX or so. I had bills to pay so I went to withdraw funds, and it denied access. I called and explained what happened and they transferred me to fraud department. They are going to hold my direct deposit for XXXXne week due to them being suspicious of account, and they closed account. They told me to check back n one week on status of account. I read that since the money is federal SOCIAL SECURITY they can not hold this!!! I need to pay bills and to eat, pay rent, etc..the payment I made is going to be returned and I will have a fine!!!

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: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
Had a offer from Jefferson capital if I paid XXXX, 55 % of amount they would drop the collection. I paid and it's still on my collections. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had a XXXX card for years. Recently Citibank took it over from XXXX XXXX. Now it had the request an increase option on the website ( XXXX XXXX never had that option ). I have requested increases before and it has NEVER been a hard inquiry. With this one, it was. I tried filing a XXXX  complaint and CITI is stating they had a button on their page where it says its going to run a hard inquiry, I did not see that on their, their website barely works as is, and now I have a hard inquiry on my report for a card I ALREADY had and they are refusing to remove it, as if it is something that will personally affect them. Its pure rudeness and or laziness, as well as bad communication on their website. If I knew it was going to give me a hard inquiry for a card I already had, which again a credit increase has never given me a hard inquiry before on ANY other card, I would not have requested it. Their practices, website, and customer service, all need to be investigated. The attachments are I just tried to do it again to show that it doesnt show it, and it just had an arrow over to request the increase and then showed that message. My next step will be to contact a lawyer.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX Account Number XXXX To Whom It May Concern, I am writing to inform you that the accounts listed under XXXX XXXX XXXX XXXX  ( Account Number XXXX ) and LVNV Funding LLC ( Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. These accounts have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. 

As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. 

Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information.

Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. 
Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. 
Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. 
Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. 

I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately. 

Sincerely,

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several disputes have been mailed out to Experian, XXXX and XXXX and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB complaint XXXX is over XXXX old and has still not resolved. No feedback has been received regarding dispute. This is a violation of the Fair Credit Reporting Act and this record must be PERMANENTLY DELETED from my credit report 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