vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
i written the following companies with a debt validation letter and had no response, The company americollect and XXXX XXXX. I asked them to provide the original contract with my signature, the full payment history, name and address of original debt collector, and proof that they own the debt or have permission to collect. i have not recieved these and i would like them removed from my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my Experian report and provided this information over to the reps, and managers at Experian over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Experian still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted : 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months

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 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My wife and I bought a home in XXXX. In XXXX, our mortgage was sold to another mortgage company. They informed us that we did not have enough money in our escrow to cover a one-time payment of our county taxes the following year, so we were told we had the option of upping our monthly bill or seeding the account with more money to cover the difference. In XX/XX/XXXX when our county tax bill came due, the mortgage company submitted a semiannual payment instead of an annual payment. Because of this, we stood to lose a small discount on our county tax bill. More at issue was that the mortgage company 's words from XXXX and their actions in XXXX did not match, which was frustrating. We contacted their customer service desk XXXX and were given the run-around with no clear resolution. We sent their accounting department an e-mail stating that we would submit a complaint to the CFPB if they did not pay the rest of the bill -- we have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
RE : Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) For purchase of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I XXXX XXXX, was granted a Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) in XXXX XXXX for a principal amount of {$140000.00} at 5.125 % 30yr term, for the purchase of a duplex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. The first payment due on XX/XX/2003. 
The first communication in writing from HSBC after the mortgage was granted, is a letter in response to my enquiry about using Electronic Funds Transfer program to repay Mortgage # XXXX. XXXX XXXX, HSBC Mortgage Cashiering Specialist letter would indicate that for payment purpose the Mortgage account number as XXXX. We did not worry about it as we recognized, the number as a diminutive of the real loan number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) { the missing numbers being shown in bracket } UNTIL NOW. 
We received a letter dated XXXX XXXX advising us that HSBC has XXXX XXXX XXXX  XXXX ( " XXXX XXXX XXXX '' ) and that the current account # XXXX is changed to the New Account # XXXX. No reference was made the current account number is the number for accounting purposes that represent the Mortgage Loan # XXXX date XXXX XXXX. 
On XXXX XXXX an HSBC Loan # XXXX was approved for a principal $ XXXX 3.5 % 15yr term, from which {$110000.00} was used to pay off Principal balance on Loan # XXXX with " XXXX XXXX XXXX  '' the Original Mortgage # XXXX not being mentioned again. 
As the response we have received Form HSBC Mortgage company and XXXX XXXX  XXXX XXXX have been in slightly different terms " Since the loan have been paid-off, we do not have access to the files anymore ''. We respectfully request that Mortgage # XXXX be taken off the books OR marked as being Paid in full. 
Uploaded copy of HSBC XX/XX/2003 letter with " Subject : Mortgage Account Number XXXX and the Monthly Mortgage Statement clearly outlines all the condition in the Mortgage loan # XXXX. We submit that both account numbers are referring to the same loan. It follows that all the other subsequent loan numbers link back to Mortgage loan # XXXX. 
As such, the XX/XX/2003 Mortgage loan # XXXX has been paid in full in XXXX XXXX and should be recorded accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Acceptance Corporation for committing aggravated identity theft. I have never given Credit Acceptance Corporation any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt that claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e12.

I have never received any documentation requesting validation from Credit Acceptance Corporation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to, 15 U.S. Code 1692d4 which the FTC defines as debt parking. If Credit Acceptance can not provide me with proof such as a tracking number that they attempted to lawfully validate this debt with me, the consumer, prior to furnishing it to my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Acceptance Corporation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Acceptance continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 

XXXX : XXXX XXXX XXXX XXXX Without Prejudice. All Natural Inalienable Rights Reserved

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
CHILD SUPPORT ENFORCEM XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have written a letter and called multiple times ( mostly to be hung up on after waiting patiently for 20 minutes/or more ) to understand what a charge on my card is for, no one has be able to answer my questions and so tired of calling to be transferred and they say it's under investigation and no more information. I keep asking for clarification for a debit adjustment charge of {$66.00} on XX/XX/XXXX and no one can provide any answers and keep getting the run around. 

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 explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and I noticed hard inquiries that I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/2022.

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Company has placed information onto my credit report that isnt correct They can not provide information to prove ownership of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Debt is medical, initiated by my children 's mother for my son. I did not initiate or agree to this debt with the creditor. I carry health insurance for my children, so my name is associated with this debt for that reason alone. However, I made no agreement to the creditor for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: DISCOVER BANK
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
XX/XX/22 was the date the fraud happened and when all of disputes were filed. I contacted my bank to file the dispute of {$350.00} and {$500.00} from me being scammed because I was selling stuff to get money which I dont have a lot of hence why Im selling stuff. A person wanted to use XXXX and I was later emailed by someone who was acting as XXXX and I sent the money not knowing that XXXX doesnt email customers. I filed a dispute with my bank but they said that it was my fault and they wont refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MT

Complaint narrative:
I have received contact from Harris and Harris regarding a XXXX XXXX debt. They have a called and sent on letter. When I received that letter, I replied with a request to validate this debt and provide me statements, the right to collect this debt, and any other information in writing. I, also, requested that they do not contact in any way other than mail specifically stating I did not want calls. 

On XX/XX/22, I received yet another call from this company with an XXXX XXXX leaving me a message to call XXXX. I returned this call. I asked them to validate the debt as per my previous request which was made more than 30 days ago and to stop calling me and only contact through mail. I was told that they could only validate through email. I declined that as I have no interest in receiving emails or relying on my email provider to not mark their emails as junk or spam and thereby removing my ease of access to said emails. I requested that they mail the documentation which this person told me that was not possible. 

I have only been seen by XXXX for a worker 's comp injury and I have to my knowledge have not been sent a statement or bill for any remaining debt. I have no qualms about paying my debts but I would like my rights not trampled on when I request validation prior to paying.

Company response to consumer: Closed with explanation