vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NJ

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In XXXX of last year, I contacted XXXX to inquire about the amount I needed to pay to end my contract, as I was unable to use my phone at home and had consistently poor service in my area. I was informed that I only owed {$85.00}. I expressed concern that this seemed incorrect and asked multiple times for confirmation. The representative assured me that {$85.00} was the total amount required to cancel my service. 

Based on this information, I switched providers, trading in my phones with a new company. Shortly after, I went to a T-Mobile store to settle my balance and was told that I actually owed over {$2000.00}. I spoke with the store manager, who provided me with a phone number to contact XXXX directly. During that call, I was escalated to a higher-level XXXX named XXXX. He acknowledged that I couldn't use the service in my home and agreed that I should only be responsible for paying off the devices, with the promotional discounts applied. This would have reduced my monthly payments to less than {$50.00} until the devices were fully paid off. 

However, soon after, I started receiving wildly inconsistent chargesone month {$100.00}, the next {$300.00}. As I dont have time to be on the phone constantly, I let it go until XXXX charged me {$1200.00}, which overdrew my bank account. I called customer service and had the charge reversed. I was assured that they would contact XXXX to ensure the original agreement was honored and that I would receive a detailed payment history in the mail. Neither of these things happened. 

The following month, I was charged {$1200.00} again. Frustrated, I called to have my card removed from the account and was again promised a resolution, but nothing was done. I visited the store twice after this, only to be told that they couldnt assist me. 

To make matters worse, XXXX  has since sent my account to collections for an amount I do not owe, without any transparency about how much Ive already paid. They refuse to communicate with me directly and now forward all calls to a debt collector. This situation has severely impacted my mental health, causing significant stress and XXXX 

I believe this is unacceptable and potentially unlawful. XXXX lack of transparency and unwillingness to resolve the issue is distressing, and Im concerned this could be happening to others as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-16 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: VA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AL

Complaint narrative:
I am a victim of identity theft and am disputing an unauthorized hard inquiry on my Experian credit report. The following inquiry was not authorized by me and resulted from identity theft : XXXX XXXX XXXX XXXX I request this inquiry be removed immediately as it is the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support 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 explanation
Consumer complaint received 2024-09-16 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: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  and am disputing an unauthorized hard inquiry on my Experian credit report. The following inquiry was not authorized by me and resulted from identity theft : XXXX XXXX XXXXXXXX XXXX I request this inquiry be removed immediately as it is the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support 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 explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDLENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERLY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2024-09-16 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: NC

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDLENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERLY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied.

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  and am disputing unauthorized hard inquiries on my Equifax credit report. The following inquiries were not authorized by me and resulted from XXXX XXXXXXXX : XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
On XX/XX/year>, my mortgage was transferred from SLS Mortgage Servicing to NewRez Shellpoint Mortgage Servicing. On XX/XX/year>, Shellpoint conducted a new escrow analysis and incorrectly included a charge of {$6700.00} for flood insurance. This error inflated my projected escrow balance, which in turn significantly increased my monthly escrow payment from {$680.00} to {$1000.00}. As a result, my total mortgage payment rose from {$1300.00} to {$1600.00}, effective XX/XX/year>. 

This inclusion of flood insurance is a mistake, as flood insurance is already paid for through my XXXX XXXX XXXX ( XXXX ). Documentation confirming this coverage was provided well in advance of the escrow analysis. The XXXX manages and pays for the flood insurance on the property, and we have records substantiating this. 

Timeline of Communication and Attempts to Resolve the Issue : XX/XX/year> : My daughter, who is authorized to act on my behalf, contacted Shellpoint and was transferred to the insurance department. The agent confirmed that the inclusion of flood insurance in the escrow analysis was an error. She was then transferred to the escrow department, where she was advised to call back in XXXX hours to request a new escrow analysis. 

XX/XX/year> : Another call was made, and Shellpoint confirmed that a request for a corrected escrow analysis had been submitted. 

XX/XX/year> : A follow-up call was made to check the status of the request. Shellpoint informed us that the request had not gone through because the insurance department had failed to add notes regarding the flood insurance. During this call, the necessary notes were added, and we were transferred back to the escrow department to submit another request for the analysis. We were also told that the matter was escalated, and we were advised to call back in three days for an update. 

XX/XX/year> : We called again and were informed that the escrow analysis was still in progress, with a completion date of XX/XX/year>. 

XX/XX/year> : Due to the unresolved error, I was forced to pay the incorrect mortgage amount of {$1600.00}. 

XX/XX/year> : A follow-up call revealed that the escrow analysis was still not completed, as Shellpoint was running behind schedule. 

As of XX/XX/year>, the issue remains unresolved, and Shellpoint has not provided the corrected escrow analysis, despite multiple follow-ups.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AL

Complaint narrative:
I am a victim of identity theft and am disputing unauthorized hard inquiries on my Equifax credit report. The following inquiries were not authorized by me and resulted from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX 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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by XXXX XXXX and a XXXX form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-09-16 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 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 XXXXXXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification 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 non-monetary relief
Consumer complaint received 2024-09-16 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXXXXXX 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 DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: DE

Complaint narrative:
I pulled my credit report and see inaccurate information such as addresses, DOB, Jobs which I never worked.

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