vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Rude and abusive. Reported a debt over 7 years old to all three credit agencies. It was a debt that was paid in 2018 by another debt collector. After speaking them I asked for an email to send the proof. She gave me the email and then blocked my email address from sending roof. This was an unfair practice

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently disputed some inaccurate information with the credit bureaus. I disputed incorrect names and addresses where I have never resided. The dispute came back with the addresses still attached to my credit reports. I attached proof of residence and a copy of my drivers license, and a utility bill. I ask the credit bureaus to remove/ delete any addresses other than the one provided. The addresses that need to be deleted is as follows XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TN 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 2024-09-25 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: NY

Complaint narrative:
Im writing this complaint today because Transunoin is violating my consumer rights and not doing a proper job at investigating these accounts. Every time I send in a dispute Transunoin send me a letter saying " They applaud my effort to take charge of my credit '' which feel is a automatic response they send instead of them completing a proper investigation and sending me my results, this is against the law. I have attached a copy of this letter that i received from transunoin. These accounts are reporting inaccurately on my credit report. I sent debt validation request with account information to XXXX about account # XXXX and the documents I was sent back does not match with what Transunion is reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, On the account they are reporting with jpmcb account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. Same as with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the inaccuracies in their reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. I disputed the completeness and accuracy of my report using the metro 2 system and I demand they use this one that I upload and complete proper investigation and delete these incomplete inaccurately reporting accounts. A fair resolution will be for transunion to delete these accounts from my credit report and cease reporting them.

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 2024-09-25 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation to Eastern Account System of Connecticut , Inc. of this alleged debt ( XXXX XXXX XXXX  ( Account Number : XXXX ) /Re : XXXX which they have failed to provide proof, i.e. AGREEMENT THAT GRANTS THEM THE AUTHORITY TO COLLECT THE ALLEGED DEBT, THE MASTER BILL OF SALE as it did not include any documentation supporting the validation of the debt KNOWING THAT THEY ARE NOT even authorized to Conduct Business in the state of Florida. I am also including the cease and desist letter sent to them dated on or about XX/XX/year> XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, suggesting my identity may have been stolen since I didnt authorize these accounts. Ive addressed this before, and Im urgently requesting their removal from my report, as theyre causing me significant stress. These accounts dont reflect my true credit history or financial behavior, making this situation difficult to manage. If we cant resolve this, Im prepared to pursue legal action to protect my rights. These inaccuracies are severely hindering my ability to achieve important financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Triton Recovery Group
State: PA

Complaint narrative:
Triton recovery is sending text messages and calling all my family members, bother sister niece and nephews and sending texts and phones calls XXXX a week. 
They are also emailing info to other people Wife, office workers that work at my business and sharing info with them and telling them personal info about this debt I have asked repeated times to stop and t hey still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and Trans union immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}

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 2024-09-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was notified that my information was exposed in multiple data breeches so I pulled my credit report to check them for any information that should not be on them and noticed that I had a public record of a bankruptcy, and several inquiries that I did not authorize as well. Please remove the public record and the following inquiries from my report. i have attached a copy of my FTC report to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 2024-09-25 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 2024-09-25 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: MD

Complaint narrative:
This account is over 7years old and is still showing 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 non-monetary relief
Consumer complaint received 2024-09-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have NOT applied for credit in years! These hard inquiries are fraudulent. Please remove all hard inquiries from.my credit report. Thank you

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
We have made multiple attempts to verify that XXXX XXXX is a signer on this account and responsible for this debt. The creditor continues to report this debt as a delinquency without providing proof, which has been requested multiple times, and is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Please see the attached correspondence from our attorney requesting this information in XXXX, which to date has still not been provided. 

We request this delinquency be removed immediately. This is our final attempt before pursing legal action on this matter. 


CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. 
Name and Address of Alleged Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector. 
Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Please attach copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? 
YES or NO ( circle one ) Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CO

Complaint narrative:
Steps were taken with the previous mortgage lender ( Specialized Loan Services SLS ) to remove Private Mortgage Insurance from our loan. On XX/XX/XXXX, SLS issued a letter stating, The Loan to Value Ratio ( XXXX ) on your mortgage loan has met the requirements to have the PMI removed. Your PMI has terminated and you no longer have PMI. No further premiums, payments, or other fees will be payable in connection with PMI coverage. The loan was transferred in XXXX to Shellpoint ( a division of Newrez ). The XXXX  statement with Shellpoint ( XX/XX/XXXX ) correctly showed the PMI removed, however, the PMI disbursement was added back to the XXXX statements. Since XX/XX/XXXX, I have called Shellpoint XXXX  times and have spoken to many different people about the issue. I filed a complaint with a phone representative as well as an online complaint. I have spoken with a supervisor ( XXXX XXXX, employee ID XXXX ) on XX/XX/XXXX who stated she escalated my complaint to the PMI Department. I contacted Shellpoint again on XX/XX/XXXX and XX/XX/XXXX and spoke to representatives who could not understand my complaint. On XX/XX/XXXX, I sent an email to XXXX XXXX with no response. I have attached the last XXXX mortgage statements showing the PMI disbursement incorrectly listed as well as the PMI termination document from the previous lender ( SLS ).

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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