vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their failure to disburse the remaining balance of my insurance proceeds following hurricane damage to my home. 

On XX/XX/year>, Shellpoint Mortgage Servicing confirmed that all required repairs have been completed and all necessary paperwork has been submitted. Despite acknowledging that they are ready to issue the insurance funds, they have repeatedly stated that they are unable to do so because they can not locate my insurance proceed funds. Shellpoint Mortgage Servicing purchased my mortgage from XXXX XXXX XXXX, who previously serviced my loan. Despite my requests, Shellpoint Mortgage Servicing has not made any effort to contact XXXX XXXX XXXX to retrieve the balance of my insurance proceeds. 

I have contacted Shellpoint Mortgage Servicing multiple times via phone and email, but have received no satisfactory response. They have insisted that it is not their responsibility to retrieve the funds from XXXX XXXX XXXX, despite my explanations that I did not refinance and Shellpoint Mortgage Servicing assumed responsibility for my mortgage on XX/XX/year>. 

I have also contacted my insurance company, who confirmed that it is Shellpoint Mortgage Servicing 's responsibility to disburse the funds, as they purchased my mortgage with full knowledge of its terms and conditions. 

As a result of their inaction, I am facing undue financial strain and uncertainty regarding reimbursement for necessary repairs to my home following hurricane damage. I am entitled to these funds under the terms of my insurance policy and expect Shellpoint Mortgage Servicing to fulfill their obligations without further delay. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that Shellpoint Mortgage Servicing complies with all applicable consumer protection laws and regulations. I also request that Shellpoint Mortgage Servicing provide me with documentation showing their efforts to retrieve the balance of my insurance proceeds from XXXX XXXX XXXX. 

I can provide relevant documentation including correspondence with Shellpoint Mortgage Servicing and my insurance company, to support my complaint. I have a letter from Shellpoint dated XX/XX/year>. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
THIS ACCOUNT IS A CHARGED OFF ACCOUNT BUT IT KEEPS REPORTING AND HAVE A BALANCE

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of Transunion sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CELTIC/CONT Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting KOHLS/CAPONE Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS FST PREMIER Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 

10. there is some inaccurate information reporting XXXX  XXXX  XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Please remove it from my credit report. 



15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ONEMAIN Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
Good day. Recently, I saw " hard inquiries '' that I did not fulfill. I ask you to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
Good day. Recently, I saw " hard inquiries '' that I did not fulfill. I ask you to remove them

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 2024-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: MO

Complaint narrative:
AR Resources reported a collection that I had no knowledge of due to their incorrect information. This unfairly impacted my credit score. They attempted to intimidate me and lied to me to get me to pay them directly. Now they will not respond to repeated requests for debt validation and other information regarding this account. 

on XX/XX/XXXX I was notified of a negative mark on my credit report from AR Resources. I was never contacted by this company and did not know this had gone to collections. 

In XXXXXXXX XXXX XXXXXXXX I was attempting to dispute this bill with my insurance company, which was supposed to cover it. I received one bill from the XXXX XXXX and received no further contact from them, even after requesting more information. 

I called and spoke to two ARR representatives ( XX/XX/XXXX ), one being a manager. They both were very aggressive and tried to intimidate me, claimed they had contacted me multiple times, lied to me ( claiming that this would automatically be deleted once paid, which is not true ), and refused to provide any information in writing. They both refused to validate the debt or provide me with any additional information whatsoever. I again requested debt validation ( to which I am entitled to under the Fair Debt Collection Practices Act ) twice via certified mail ( received and signed for on XX/XX/XXXX and XX/XX/XXXX ), once via standard mail ( sent on XX/XX/XXXX ), and once via email ( XX/XX/XXXX ). I received no response. 

I have USPS informed delivery, so anything with my name and address is scanned and emailed to me, even if it ends up misdelivered. Nothing from ARR was ever present in these emails and I never received anything from them. The XXXX office confirmed that my apartment number had been omitted from their files, despite me having given it correctly multiple times. I believe that the XXXX XXXX did not give ARR my correct and complete address, which I could not possibly control. 

However, if they sent mail that was not delivered, it should have been returned to their return address. If this is the case, they should have been fully aware that the mail was not being delivered. 

On XX/XX/XXXX, I received my first piece of mail from ARR stating that the account had been paid in full. This document included my full address, including my apartment number. This leads me to believe that they have received and read my letters, which included my apartment number, and are just refusing my requests still. 

I have carefully recorded all of my communication with this company ( with exception of the phone call ) and gathered as much evidence as possible to prove my case to XXXX. This account has been removed from my credit report by XXXX due to ARRs incorrect information. However, I still want the requested documents and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) ( I had previously sent this claim before but my advisor has informed me I send some incorrect information )

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXXXXXX XXXX with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this fraudulent information as its fraudulent and not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Credit Reporting agency Regarding : INQUIRY REMOVALS I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights.Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Also produce a contract between these companies, bearing my signature showing that I gave permission to furnish any information on my behalf. 

If there is no documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. By law you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX ] UCC 1-308

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing you today to dispute negativity on my credit report. This account listed below do not belong to me and need to be deleted. 
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I seen information that doesnt belong to me

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 2024-07-11 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: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-11 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I believe that the following information on my consumer report is inaccurate and should be 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 XXXXXX/XX/XXXX I am writing to request the deletion of certain information from my consumer report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, I am entitled to request the removal of inaccurate or outdated information from my consumer report. 
I am making this request based on the permissible purpose outlined in 15 USC 1681b, which allows consumers to request the deletion of information that is inaccurate, incomplete, or unverifiable. I have reviewed my consumer report and have found the above-mentioned information to be inaccurate and request that it be removed immediately. 

Please investigate this matter and provide me with written confirmation once the information has been deleted from my consumer report. Thank you for your prompt attention to this matter.

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