vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: StellarFinance, Inc.
State: VA

Complaint narrative:
XXXX has erroneously damaged my credit report, asserting that I owe them {$14.00} for a bill they claim they settled. However, the bill was never paid because my checking account information was inaccurate. Consequently, they have persistently reported late payments based on this erroneous information. 

Regrettably, XXXX has suspended operations, preventing me from accessing my account. They have refrained from providing any evidence to substantiate their claim of a bill settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Hello, I have had problems paying my mortgage for 3 years now They have me paying only one person Asset XXXX XXXX XXXX, ( XXXX ) Ext XXXX. I constantly call him no call back for months for over a year now and I reported this to Division of Consumer Finance who referred me to you as they told XXXX they didn't receive my calls to pay also again this has been over time since they had my loan, I paid $ XXXX in 2 month time and $ XXXX of this towards my principal balance. They reported to XXXX at XXXX XXXX which she was copied on all emails and phone calls to them. This is the XXXX time I had to report them usually they then respond and add all kind of fees making it appear as if I missed months of payment when I was not able to reach them to make the payment. XXXX XXXX is known for doing clients like this for years where other homeowners such as myself is forced to sell because of this tactic. They also placed me on XXXX XXXX XXXX making me pay for a policy that's in their name and the asset XXXX XXXX XXXX states he can't tell me who the insurance is with although I pay it I still don't have insurance they do, and I just pay for it every month. They are not informing me of where my payments are going. I paid $ XXXX in XX/XX/year> then I paid {$3600.00} in XX/XX/year> to catch up on payments after they avoided my calls and emails. Then I paid another $ XXXX in XX/XX/year> towards the principal and they applied {$13000.00} stating I was behind still, when I had just caught up after XXXX XXXX Called me when I reported it, they didn't know I was online viewing, but it would not let me pay it, then they locked me out. XXXX XXXX with XXXX XXXX ( XXXX ) she gave me your number and told me to contact you regarding this as she asked them to call me I been trying to reach them after XXXX paid in XX/XX/year> and XX/XX/year> and when I called XXXX he never called back this was last Month XX/XX/year> they are in California, but no excuse I can only pay XXXX Asset XXXX XXXX XXXX who states he received no calls or emails from me and I have all my emails logged with Consumer Finance I copied XXXX for back up. They have been discriminating against me since they had my loan, I been in my home 23 years they have had the loan only 3 years. Please assist me with this it's not right for me and my minor child to be forced to sell our home after paying all these years and paying earlier this month over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase keeps advertising purchases protection, and cancellation trip so you can use your card, which I did then now I started 2 claims with them. i sent them all the info I have on my hands. 
XXXX reference number XXXX XXXX number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter is a reply to your letter in response to my letter that you mailed I disputed the alleged debt that PORTFOLIO RECOVERY ASSOCIATE is attempting to collect I additionally requested verification of the alleged Debt pursuant to be my right under the ( FDCPA ) I am within my rights of a verification request under the ( FDCPA ) .I requested a copy of a signed contract with XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATE I also requested that you cease and desist all collection activities including credit reporting agencies. I request that PORTFOLIO RECOVERY ASSOCIATE delete any and all reporting made to all consumer credit reporting agencies You have clearly failed to address my very specific legal request and are clearly violation of the ( FDCPA ) RE : PORTFOLIO RECOVERY ASSOCIATE You failed to obtain and send verification of the alleged debt by not mailing me a signed contact or agreement signed by all parties involved including as requested also the following ( A ) License to be able to collect in the state of Texas ( B ) chain of custody for alleged debt ( C ) purchased agreement ( D ) method of verification ( XXXX ) A description of procedures Under the ( FDCPA ) it is unfair or uncomfortable to attend to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Also my personal information was released without my consent or knowledge to a third party ( PORTFOLIO RECOVERY ASSOCIATE ) you failed to cease and desist delete Under the ( FDCPA ) it is false deceptive or misleading representation or means in connection with the collection of my debt to communicate to any persons or consumer credit reporting agencies credit information That is known or which be known to be false .do to the previously stated you have caused me & my family additional stress frustration credit damage and cost. 
You have wived your opportunity to amicable resolve this issue without the need to litigate I instead to send this matter to my attorney or initiate litigation against you, you may resolve my ( FDCPA ) claim by doing the following ( 1 ) cease & desist alleged collection ( 2 ) delete all PORTFOLIO RECOVERY ASSOCIATE credit reporting ( 3 ) tender XXXX XXXX XXXX {$1000.00} and receive 14 days of receive of this letter XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
Dispute unauthorized inquiries Under the Fair Credit Reporting Act ( FCRA ), companies can only pull your credit report if they have a permissible purpose such as : Your explicit written consent ( e.g., for employment or rental purposes ). 
A credit application, account review, or debt collection. 
Pulling your credit report without your consent or a legitimate purpose is illegal. Violators may face fines, lawsuits, and damage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On my account for Westlake Portfolio its documented as a written charge off which means the company wrote off as profit loss on taxes. I was supposed to receive a 1099 C to report as income but I never received this. The fact the car was written off and Im still being made to pay or getting phone calls about paying is wrong and inaccurate on my report. I would like for a 1099 C to be sent to me and that negative inaccurate information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
The account was 180 days charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as 180 charged off every month. This is an update in the payment history. A 180 charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX 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 explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violation
s related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b (
Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Republic Finance , LLC Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute of Unauthorized Account To Whom It May Concern, I recently returned from a business trip and discovered that an account was opened in my name without my authorization. This account appears to have the potential to negatively affect my credit file. Upon learning of this matter, I immediately contacted your offices to report my lack of awareness of this transaction and to begin taking steps to rectify the situation. 
To address this issue thoroughly, I will be filing a police report regarding the unauthorized account. I am also requesting that you provide me with all documentation related to the opening of this account. Specifically, I would like copies of the following : The signed contract or agreement All terms and conditions associated with the account Any verification documents, including signatures or identification used Any records of communication tied to this account Due to my concern about the potential impact on my credit score, I made a good faith payment to prevent any immediate negative reporting. However, I did so under protest and will seek to recover these funds once this matter is resolved. As I travel overseas frequently for business and may miss important notices, I acted preemptively to protect my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you cease any negative reporting of this account until this dispute is resolved. Please confirm receipt of this letter and provide guidance on how you plan to address this matter promptly. 
If additional information is required from my end to expedite the resolution of this dispute, please let me know. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-24 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), companies can only pull your credit report if they have a permissible purpose such as : Your explicit written consent ( e.g., for employment or rental purposes ). 

A credit application, account review, or debt collection. 
Pulling your credit report without your consent or a legitimate purpose is illegal. Violators may face fines, lawsuits, and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
I check my credit report on XXXX XXXX every XXXX days, I noticed on XX/XX/year>, that there was a hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX In XXXX XXXX, for a personal loan, I did not apply for any loan through this company. Due to prior identity theft, it is noted to call me to approve any loans or applications, I received no call. Please investigate and assist in deleting the ding on my credit report Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation