vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was approved for the homeowners assistance program in XX/XX/XXXX and have been receiving payments since then. My mortgage company was recently sold to Shellpoint and I am missing mortgage payments that HAF has said they have sent to Shellpoint. I am given no answers when I call and talk to Shellpoint and I am in fear of losing my home. I need answers as to where my missing payments are. My mortgage payment was due on XX/XX/XXXX and HAF informed me that they sent the payment of XXXX on XX/XX/XXXX. Shellpoint can not locate the payment and will not apply it to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
received a letter from United states marshall services that a data breach occured currently i am receing all kinds of credit requires on credit report along with collections.

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 2023-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
In XXXX I was told by First Merit Bank ( now Huntington Bank ) the loan ( XXXX ) was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 

In XXXX I was told by First Merit Bank XXXX now Huntington Bank ) my loan was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 


Collateral used on the loan was released by the bank and has since been sold. 

In the process of taking out a home equity loan, through a title search, it was discovered that F & M bank ( now Huntington Bank ) show having a lien on my property as a mortgage. Clearly on the promissory note attached you can the home was not used as collateral. 

Nothing on this loan appears on my credit report, nor have I been contacted by Huntington Bank or First Merit Bank to collect on this debt. 

I contacted Huntington upon the information provided by the bank I am using to secure HELOC. The information I received shows Huntington Bank ( from F & M acquisition ) holds a mortgage on my home. 

9 years later, Huntington Bank provided the original loan paperwork ( attached ) showing the collateral used to secure the loan and which show the final payment in XX/XX/XXXX. 

In the paperwork Huntington Bank supplied me, a XXXX XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX travel trailer were used as collateral. 

I thought this matter was settled back in XXXX based upon conversations with First Merit when they said it was written off. See the attached notes on the linage of my loan and you can see all the conversion I had on this starting in XXXX XXXX with names and phone numbers. 

When I requested a report of all payments made on this loan, they sent me the attached document. The sheet only has 5-line items, starting XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. Clearly you can see that they acknowledge on XX/XX/XXXX, the load was charged off. Also, in XXXX, XXXX XXXX and XXXX XXXX at First Merit referred that the loan was written off and no action was required from me. 

How could Huntington get this filed as a mortgage with the promissory not clearly shows the home was not used as collateral? 

How can they come back after such a lengthy period? They have made no effort to contact me the past 9 years as only now that I asked them to remove this, they are perusing it. From the payment history they sent, no entries were made after XXXX. 

I did submit a complaint to the Office of the Comptroller of the Currency, case XXXX, and they said I need to work with XXXX XXXX XXXX XXXX. 

How do I get Huntington National Bank to acknowledge that this was written off and that they need to remove the lien on our property? 

I have attached all correspondence and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit report act XX/XX/XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXX/XX/XXXX Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit report act XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Its two collection accounts on my credit report that werent authorized & I dont have an outstanding balance with XXXX  I have a current account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: 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.

The letters are stated with items and issues.

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 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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimbal Tirey & St John law on behalf of XXXX XXXX XXXX filed an unlawful detainer against me on ( XX/XX/XXXX ) for non payment after they agreed ( XX/XX/XXXX ) to extend the 3 days notice ( XX/XX/XXXX ) and accept a cashiers check on XX/XX/XXXX for XXXX rent past due ( {$2500.00} ) and after the 3 days notice expired ( XX/XX/XXXX ). 

After receiving the check on XX/XX/XXXX management demanded {$1100.00} for a balance they claimed to be for legal fees, late fees and utilities ; but failed to issue an itemized invoice when I requested. They refused to send me a copy of my residents ledger and locked me out of the residents portal where I could verify my account history. 
As an attempt to justify the wrongful unlawful detainer, they fabricated a lease agreement and resorted to deceitful lying in court. XXXX XXXX, assistant manager, denied receiving payment for XXXX, XXXX and XXXX ( total amount of {$7800.00} ), when evidences proved her wrong she falsely stated she kept my check as per my request. 
She wasnt the only one lying under oath. XXXX XXXX, process server hired by plaintiff legal team filed a fraudulent perjurious Declaration of Diligence on XX/XX/XXXX. 
When XXXX XXXX ( XXXX ) reached out and identify himself as a debt collector I forwarded an email I had sent his colleague XXXX XXXX requesting a copy of my residents ledger, management never sent me a statement. I also attached copies of the cashiers check management kept it in the office until XX/XX/XXXX. XXXX handed it back 26 days later and wrote me Per our conversation in person today, I handed back your check payment you made, because we cant accept your payment until the total balance has been paid in full The lawsuit is asinine. 

Holding my check for 26 days was deceiving then filing an unlawful detainer for a balance no one could account for is defrauding. 

XXXX XXXX also stated charging me utilities before my moving day. Due to covid I had to delay moving from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with XXXX, XXXX, and TransUnion while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX  and they werent responding at all until I just recently disputed it with XXXX, Equifax, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with Experian, XXXX, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 2 accounts on my credit report that I have no knowledge of and it's affecting my credit profile, credit score, and my credibility. I need these accounts to be removed expeditiously. 

The accounts are with a company called XXXX  XXXX reporting agency XXXX XXXX  for the balance of XXXX and one for XXXX. Both accounts need to be removed I've never had an account with this company

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Submitting a new complaint with Transunion. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( XXXX XXXX XXXX XXXX ). Within 10-15 days Transunion responded stating that it was verified through the XXXX  court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief