vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Deinde Online Services, LLC
State: MI

Complaint narrative:
On XX/XX/24, XXXX XXXX XXXX contacted my sister for a debt owed for Ingetgra Credit which is a 799 % payday installment loan business. 

They contacted her three times and left a voicemail. 

They contacted her a FOURTH time and asked to speak to XXXX, who is my mother, who is dead. 

My sister has XXXX regarding my mother being dead and emotionally frail. This set her into a full meltdown which I had to attend to. 

If you XXXX the phone number this business contacted me personally on, which they have above the legal limits allowed, it is listed as a Robocall and it hits my spam blocker. 

Therefore, this is the reason I have not made attempts to contact them because I called Integra credit for whom they represent and they stated the loan was now dealt with them and to speak to them directly. 

I also attached the XXXX search of the name of the company and the phone number that states it is a Robocall Scam. 

I'm not sure since Integra Credit was the loan originator to place them on this complaint or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Issue 1 - I received a letter from Rushmore Servicing stating that an election was made tp surrender my property, which was not the case. The letter also suggested alternatives such as a Deed in Lieu of short sale, which I did not agree to. I have not elected to surrender my property. In fact, I have diligently made efforts to maintain my property and fulfil my obligations under the terms of my mortgage. Furthermore, I have signed XXXX modifications with XXXX Bank and XXXX XXXX XXXX indicating my commitment to retaining ownership of my property. Issue 2 - Recently, I discovered that my mortgage has been increased by nearly {$430.00} per month, purportedly due to a shortage in my property tax and homeowner 's insurance. As a resident of XXXX XXXX, Illinois, I have diligently availed myself of every senior discount offered by the County. Despite this, the increase in my mortgage has made it nearly unmanageable for me on my fixed income. I am deeply concerned about the transparency and fairness of this increase, especially considering the impact it has on my financial well-being. I urge the Consumer Finance Protection Board to investigate this matter thoroughly and ensure that Rushmore Servicing adheres to all relevant regulations and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.

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 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Someone used my name to open an account at XXXX XXXX XXXX  and ran up a XXXX bill that went to collection in XXXX Texas. They had XXXX address and I live in XXXX Oregon all my life ( XXXX  years ) and have never even been to Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

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 2024-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Mathew Aaron Holdings Inc.
State: TX

Complaint narrative:
I obtained help from XXXX XXXX GRT ( XXXX ) Financial to assist me with debt consolidation around XXXX of XXXX. I was under the impression that they would begin to enter into a settlement with my creditors shortly thereafter, and furthermore, would begin paying them back. I went back into my email account to read the debt consolidation contract but it said the links were now expired.

GRT FINANCIAL falsely promised to negotiate with my creditors to settle or otherwise reduce my repayment obligations. They failed to settle and/or lower my debts. 

I was lured to ( now erroneously ) purchase their services while they falsely claimed that they would remove negative information from my credit report. They did not disclose key information that I needed to evaluate these services. I was not told that there would be any fees associated with this service. 

Furthermore, I received a Small Claims Debt Claim from XXXXXXXX XXXX on XX/XX/XXXX, due to GRT not paying XXXX nor contacting them regarding working towards a settlement. I settled with XXXX XXXX  on my own and requested that my debt consolidation claim be canceled with GRT Financial. 

When I called GRT FINANCIAL to cancel my program on XX/XX/XXXX they did not disclose that there would be any charges owed, since, essentially, they did nothing to consolidate my debt with any of my creditors, namely XXXX XXXX. 

According to my records, I paid a total of {$2700.00}. The payments and dates are listed below. I I received a credit from GRT XXXX on XX/XX/XXXX in the amount of {$1900.00}, which means I am still owed {$790.00}. I am putting into question the validity of the {$790.00} in fees that GRT XXXX FINANCIAL says they incurred while servicing my account. 

Furthermore, upon entering into an agreement with GRT FINANCIAL in XXXX of XXXX, I received dozens of spam emails daily. Even upon unsubscribing from these companies that were perpetuating false news, propaganda and misinformation several times a day AND several times a month, I would still receive these emails from the same companies. 

The following entries are what I paid to GRT FINANCIAL and the subsequent dates that were debited from my bank account. 

{$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$340.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
PG & XXXX has sent not one, but two debt collectors after me for the same debt. I have reached out to XXXX XXXX XXXX XXXXo let them know that it's fraudulent to share my identity, social, or otherwise ruin my credit. They have not responded to my email and it's been 30 days. 
They first sent XXXXXXXX XXXX after me, and that has been deleted from my credit report because they couldn't validate the debt. 
Months later they send I.C. SYTEMS INC after me as well. So as far as I'm concerned the debt has been paid in full twice by two different collection agencies. I do NOT give utility companies my social security number because it's against the law for them to ask for it. They are harassing me, and hurting my financial well being, and credit score. VALIDATE THE DEBT, or I will file a complaint with IRS, and SEC.GOV Due to the " The privacy Act of 1974 '' they may NOT share my personal information with anyone, company, or otherwise. 
Account number XXXX The so called debt is for {$850.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-02-12 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: NY

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please 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 non-monetary relief
Consumer complaint received 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2024, I looked at my report, I sent a letter to TransUnion on XX/XX/XXXX asking them to Reinvestigate these accounts. * 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 On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( I ) promptly delete that item of information from the file of the consumer, or modify that item ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact 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