vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
XXXX XXXX XXXX XXXX  I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, 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 2024-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Email sent to M & T Bank Hello, Ive pulled my mortgage history from my dashboard on your website. Please review. EACH manual payment accounted for in my history on my M & T Bank portal was recorded as paid and received. 

Attached to this email you have the following proof : Statement in excel form from M & T Bank My bank statements that show POSTED payment dates Photocopies of the confirmations of payments received by M & T Each payment made aligns with the confirmation emails provided by M & T, the history report from M & T, and my bank 's account of the posted payments for my mortgage account. 

Actions taken from XXXX XXXX today : I have sent over 30 emails with proof and request of resolution since XXXX of 2024 I have called and spoken to countless representative for no less than 1 hr for each call I have had my own banking ( XXXX ) representative on the phone with myself and an M & T representative to review every single posted payment through XXXX of 2024. 
Additional entities provided the attachments and emails : Office of Financial Regulation of MD Federal Reserve Board CFBP  M & T continues to report me one month behind since XX/XX/year>. I am requesting now as I have been for four months : Report me current via my mortgage payments Correct EACH negative reporting to the Credit Bureau, beginning in the month of XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX XXXX  MD

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 monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: IL

Complaint narrative:
Subject : Formal Request for Debt Validation, Cease Collection Efforts, and Cease-and-Desist Communication Dear Acron Credit Solutions LLC and XXXX XXXX XXXX LLC , I am writing to formally request validation of XXXX accounts you have reported in my name : - Reference Number : # XXXX - Reference Number : # XXXX These debts are causing harm to my credit profile, and I am disputing their accuracy and legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of any reported debt, as well as protection from unverified or inaccurate reporting. Until these accounts are validated, I am requesting an immediate halt to any collection efforts and removal of these accounts from my credit report. 

Specifically, under federal law : 1. **15 U.S.C. 1681g ( FCRA ) ** - This section entitles me to full disclosure of the debts nature and terms. I request documentation that verifies this debt, including : - The original signed contract establishing my liability, - A complete payment and interest history, and - Proof of legal transfer or assignment from the original creditor to each agency now reporting the debt. 

2. **15 U.S.C. 1681s-2 ( FCRA ) ** - This section prohibits reporting any inaccurate or unverifiable information. If you are unable to provide valid documentation to verify this debt, I request its immediate removal from my credit report to prevent continued reporting of unverified information. 

3. **15 U.S.C. 1692g ( FDCPA ) ** - This provision of the FDCPA requires that upon my request, you validate the debt. Until you provide complete and sufficient documentation, I am requesting that all collection efforts cease immediately. 

4. **15 U.S.C. 1692c ( c ) ( FDCPA ) ** - I am exercising my right to request a cease-and-desist of any further communication efforts regarding these accounts. This includes all phone calls, letters, emails, or any other form of contact with me or my family members. Any further communication will be considered harassment and a violation of my rights under the FDCPA. 

Please consider this letter a formal dispute and request for validation. If you can not provide sufficient documentation to validate these accounts, I demand that they be removed from my credit report in compliance with **15 U.S.C. 1681c ( a ) ( 4 ) **. 

Failure to comply with these requests may result in my seeking legal remedies, including damages, as provided under the FCRA and FDCPA. I request written confirmation from both Acron Credit Solutions LLC and XXXX XXXX XXXX XXXX regarding your actions to validate, remove, and cease communication regarding these accounts. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} INQUIRIES : XXXX 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 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 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 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 2024-11-11 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: NM

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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Dear CFPB, I am writing to express my extreme frustration and anger regarding Loan Depot, my mortgage company 's recent 3rd denial of my loan modification application. The basis of denying is entirely false and unjust, and I urge the Consumer Financial Protection Bureau to intervene and address this matter immediately. 

Despite my repeated efforts to confirm the submission of all required documents, Loan Depot has erroneously claimed that I failed to provide the necessary paperwork. I have communicated with them multiple times to ensure they received all the requested documentation. When they asked for two months of bank statements showing rental income, I explained that an outside management company with numerous other clients manages the rental income. Consequently, I can not obtain the bank statements directly. Instead, I provided the rental agreement and an official document from the management firm confirming the monthly rental payments and the tenants ' up-to-date payment status. Loan Depot initially confirmed that this was sufficient ; when I asked, I wanted in writing that they accepted all documents and that no further action was needed from my end ; they refused to do so but stated that the conversation was recorded and assured me there was no need for written confirmation. 

However, to my dismay, Loan Depot has denied my application for the 3rd time. Despite my persistent attempts to reach them and request access to the recorded conversation verifying the receipt of all necessary documents, I have been unable to speak with anyone who can assist me. This lack of communication and the apparent refusal to work with their clients has left me in extreme distress, especially considering that my home is now at risk of foreclosure due to Loan Depot 's actions. 

I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Loan Depot upholds fair and just practices in its dealings with clients. The impending foreclosure of my home due to Loan Depot 's actions has put me in a state of urgent need. I sincerely hope the Bureau will take swift and decisive action to rectify this situation. 

Thank you for your attention to this matter. I eagerly await your prompt intervention and assistance in resolving this pressing issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omnipoint Capital
State: CA

Complaint narrative:
Me and my family have been threatened and harassed by Omnipoint Management Solutions LLC. They have repeatedly called or texted me or my XXXX  children. They contacted my ex wife and others that are not associated with me or this fraudulent debt. I called and asked for management and was rudely talked to and was cursed at. I explained I don't know who this account is and that I've been a victim of ID Theft. I forwarded them a copy of the police report and a letter to stop contacting me or my XXXX  children or any relative regarding this fraudulent account and they refused to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My mortgage company New Rez claimed I had an escrow shortage, and that my monthly payment would be increasing. They claimed my escrow was short by over {$9000.00}. I called the XXXX XXXX  XXXX to confirm this. Apparently there had been an escrow shortage of {$110.00}, however instead of paying that amount, XXXX ( on behalf of NewRez ) sent the XXXX XXXX  XXXX a check for {$9200.00}. Because the escrow shortage was only {$110.00}, the XXXX XXXX  XXXX sent a check BACK ( check number was XXXX ) for the overpayment amount of {$9100.00} in XXXX of XXXX. However, it seems this check was never credited to my escrow, which is now showing a shortage of that amount. I opened a complaint with them in XXXX of XXXX to investigate and see what happened to the check that was issued. I have spoken to someone every month at NewRez ( most recently started keeping notes since there has been no resolution- XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ), and still have not gotten an answer related to when this check will be applied to my account. They told me they were going to reach back out to the XXXX XXXX  XXXX to reissue the check, however I have not seen the results of that action, as I am still paying a higher monthly payment on my mortgage due to the fact they have misplaced the check.

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 2024-11-11 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: PA

Complaint narrative:
MY IDENTITY HAS BEEN COMNPRIMSED AND STOLEN. PLEASE REMOVE ALL NEGATIVE AND UNAUTHORIZED ACCOUNTS AND BALANCES FROM MY CONSUMER PROFILE PLEASE

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 2024-11-11 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: PA

Complaint narrative:
MY IDENTITY HAS BEEN COMNPRIMSED AND STOLEN. PLEASE REMOVE ALL NEGATIVE AND UNAUTHORIZED ACCOUNTS AND BALANCES FROM MY CONSUMER PROFILE PLEASE

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 2024-11-11 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:
I reviewed my Trans Union credit report and notice inaccurate information. The Pay Status for XXXX XXXX XXXX XXXX is incorrect. It should read " Paid, Closed ; Paid as agreed. '' This account was never late even the rating does not show any late payments but the Pay Status is showing as 30 days past due. How is that possible? This is incorrect. I even looked at my other XXXX and XXXX credit reports and both show " Paid Closed Never Late. '' I am attaching other report with status highlighted. 

Please correct Pay Status to Paid, Closed ; Paid as agreed. If this is not possible remove account because this 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 non-monetary relief
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This letter serves as my final follow-up regarding the unresolved disputes on my credit report. Despite multiple attempts and ample time for resolution, I have yet to receive a satisfactory 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 non-monetary relief
Consumer complaint received 2024-11-11 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I returned a jacket to Saks Fifth Avenue and they never processed my refund after receiving the item. I contacted them multiple times for months and never had the credit back to my account. I reached out to my bank, Capital One, to open a dispute for the charge. I provided them with the information for tracking that shows I sent the item back and also for the confirmation from Saks that they received the item. They granted me a temporary credit that they later took back. They provided no information or update as to why. I contacted Capital One and they said I would receive something in the mail, and I've yet to receive it. This led me down a rabbit hole of numerous people showing that they returned things to Saks online center and never received their refunds. This is not just something that has happened to me but proposes a larger issue of fraud being committed at Saks. Capital One has now left me financially responsible to pay for an item that I returned to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies and inconsistencies in the payment history related to an account reported by FORITVA on my credit reports. The discrepancies were identified in the reports provided by XXXX, XXXX, and XXXX, which I reviewed thoroughly. Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief