vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I am writing to request the blocking and permanent deletion of fraudulent accounts and inquiries that have been added to my credit file without my authorization. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MA

Complaint narrative:
Dear RMP LLC ; / Sir/Madam, I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes. 
3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature. 
XXXX. Full Account History, detailing all charges, fees, and payments. 
Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
A fraudulent item that I never benefited from continues to appear on my credit report. Both XXXX and XXXX have already removed it and have been blocked from reporting, yet you persist in putting this false and damaging information on my credit. This ongoing situation is not only incredibly insulting but also a defamation of my character. It is deeply distressing to see my rights as a consumer disregarded in this way. I have already reported this issue to the Federal Trade Commission, yet no action has been taken to remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been having constant issues with XXXX XXXX out of XXXX XXXX  putting incorrect information on my Transunion credit account! I paid this vehicle off in full on XX/XX/year> with the total amount of {$650.00}. Yet, they are constantly sending in information that is not true, by saying I owe the amount of {$790.00}, which is false!!!! The car has been paid off for over a month now, I have my title that was sent to me by XXXX XXXX, and I received a letter also stating that my account is paid off in full, with a balance of {$0.00}! They know my account is paid in full, but they sent delinquent information into Transunion as of XX/XX/year>, knowing I paid the car off for the amount of {$650.00}!!! XXXX XXXX has been deliberately doing this because I called them out on putting a false charge off on my account to falsely get my money, along with money from the government due to a charge off, which should have never been place on my account!! I have never been 60 to 89 days late on my account! This false information has caused my credit score to drop mow than XXXX points!!! They are trying to create a false paper trail to appear that I have not made accurate payments to them which is false, and I have documentation to prove that what Im saying is true!!

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 2024-11-05 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/year>

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 2024-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: VA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: VA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
NORDSTROM/TD BANK USA For {$720.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove. 
XXXX for {$1600.00} is reporting past the staute of limitations also not my debt please remove. 
XXXX for $ XXXX statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting incorrectly please remove from my report. 

XXXX XXXX XXXX XXXX for {$2000.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX For {$720.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove. 
ONEMAIN for {$1600.00} is reporting past the staute of limitations also not my debt please remove. 
XXXX for $ XXXX statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting incorrectly please remove from my report. 

XXXX XXXX XXXX XXXX for {$2000.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
On XX/XX/year> I received a phone call around XXXX from a local number. I waking up as answering the call. When I answered a woman used my first name and stated she left a package at my front door. I said, " okay thank you ''. After hanging up I open my door and don't see any package there. I called the number back and let the woman know I don't see a package and that I live in a separate dwelling from the main house. She yelled and cursed at me stating she saw me pick it up. I said I didn't see any package at MY door. Within five minutes there is banging at my door. I open the door ajar and a short, XXXX XXXXXXXX woman with brunette hair uses her elbow to shove my door open and then throws paperwork in my face. Shocked by this I grab my phone and go out to my driveway to film her, her vehicle and her vehicle license plate. Her vehicle is parked at the end my driveway. She attempts to grab my phone and states. " the judge will hear about this and that she's allowed to be in my driveway because its public property ''. I let her know that my driveway is not public property and I'm allowed to film the person that just assaulted me. I attempted to get her license plate and that is when she tried to grab my phone out of my hand, punches me in my right eye, pulls my hair, stomps on my feet and chokes me. We proceed in a struggle where she tries to break my fingers. I'm trying to film while this is all happening. She eventually gets on her phone where the person on the phone tells her to drive off. I proceed to call XXXX and report the incident. I also look at the paperwork and contact the office and let them know what happened and that I want the name of the individual because I'm filing a complaint. The police arrive around XXXX. I submit a statement and have a copy of the event #.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Reserve funds : XX/XX/year> : Requested reserve funds - provided documentation and process XX/XX/year> : Completed and submitted- no response after multiple followups XX/XX/year> : Called got a hold of someone else and sent them the same documentation, stayed on the phone until they confirmed receipt and approval of documents, told 7-10 business days for funds to be released. 
XX/XX/year> : No funds still - Multiple calls and messages and told a manager would call me back. To this date, no call back has ever been made to me. 

Insurance draw : XX/XX/year> : Sent all documents requested including onsite inspection by 3rd party that I paid for. 
XX/XX/year> : They claim this money does not exist even though the previous lender sent funds to them. They refuse to communicate with the previous lender to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX and Eastern Account System Of CT has failed to send me a Privacy Notice which is a violation of 12 CFR 1016.4 Fair Credit Reporting Act and Privacy Act of 1974. I have not given written consent to niether corporation to furnish any information to my consumer report. Thats a violation initial privacy notice to consumers required 12 CFR 1016.7, Form of opt out notice to consumers, 15 USC 6802 Obligation with respect to disclosure of personal information. In closing I have not received a 1099 C for this discharge of debt from the original creditors which is also a violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX - Unfroze my credit reports XX/XX/XXXX - Applied for Caesar 's Rewards Visa card through Comenity Bank XX/XX/XXXX - Received notification from XXXX that Comenity Bank made a Hard Inquiry XXXX - Received a letter from Comenity Bank that they could not process my application because my credit reports were frozen, and that I needed to contact them once the reports were unfrozen. 
XXXX - Contacted Comenity bank about the letter. The initial representative was limited, and could not address why Comenity Bank made a hard inquiry, nor could she see that an inquiry was made. All she could see on her end is that my reports were frozen. That rep transferred me to a supervisor, XXXX XXXX ID XXXX. XXXX was limited as well, and said she would make notes on the application. Both reps said they could run my application again, but that would add an additional hard inquiry on my XXXX credit report. Resulting in XXXX hard inquiries for XXXX application. I declined, because back in XXXX i had this similar issue with Comenity, and that single application led to THREE hard inquiries and a denial based solely on those THREE hard inquiries ( ref complaint ID : XXXX ). Comenity eventually removed those inquiries from my report. 

The issue is that Comenity made a hard inquiry on my XXXX Credit report for the XX/XX/XXXX application, but their customer service reps have no record. How can Comenity state that my reports were frozen, but still successfully make a hard inquiry? Also, how does Comenity not see that they made that inquiry, nor have access to the report that they requested? I attached Comenity 's letter dated XX/XX/XXXX as well as an excerpt from my credit report showing the hard inquiry made by Comenity on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-11-05 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: WV

Complaint narrative:
My ex-husband was responsible for the joint mortgage account per divorce court order up until he refinanced to buy me out. He did not make the payments and therefore it caused the late payments to show up on my credit report. He was legally responsible for the payments, therefore they should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: WV

Complaint narrative:
My ex-husband was responsible for the joint mortgage account per divorce court order up until he refinanced to buy me out. He did not make the payments and therefore it caused the late payments to show up on my credit report. He was legally responsible for the payments, therefore they should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial was initial company that held mortgage. 7 months after, due to XXXX veteran status and a zero property tax but has CDD fees, an escrow analysis was requested. This resulted in Cardinal refunding excess taxes paid. Cardinal did not disclose that it would leave a deficit on the escrow account. XX/XX/XXXX statement showed a deficit of - {$1900.00}. Call to inquire and was informed that there was a deficit due to refund in XX/XX/XXXX. Cardinal did not disclose in XX/XX/XXXX escrow analysis of the required amount needed to be in escrow account. Cardinal sold mortgage with error notice ( mix up in my mortgage information with another customers that took 4 weeks to resolve ) in XX/XX/XXXX to XXXXXXXX XXXX. Tax bill received from county XX/XX/XXXX and reconciliation of escrow account from Cardinal to XXXXXXXX XXXX  shows that Cardinal willfully and fraudulently reported a lesser amount than what was received to them. XXXX XXXX, XXXX XXXX began an escrow analysis and reported that Cardinal provided them with Escrow account balance forward of {$1200.00} ( consistent with XX/XX/XXXX statement from XXXXXXXX XXXX that escrow balance was only {$1700.00} despite paying {$530.00} monthly to Cardinal for 6 months with no missed payments ). Cardinal 's last statement dated XX/XX/XXXX lists the escrow balance year to date to be {$2700.00}. There is approximately a {$1500.00} missing from the transfer of escrow account reporting. Where did it go and Cardinal or XXXXXXXX XXXX has to account for and return this to customer. This is fraudulent and stolen escrow money from the customer. Current escrow balance on XX/XX/XXXX XXXXXXXX XXXX statement is {$2800.00}.

Company response to consumer: Closed with explanation