vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: WI

Complaint narrative:
XXXX, XXXX XXXX XXXX, and Department of Education/XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent Disability Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.

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 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
MY INFORMATION WAS SOLD TO FIRSTPOINT COLL RESO DEBT COLLECTION.THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$660.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Mortgage Service Company : Shellpoint XXXX XXXX XXXX XXXX XXXX XXXX Please note the following : Shellpoint added {$250.00} to our loan around XXXX XXXX XXXX XXXX XXXX. We have requested information from Shellpoint regarding the reason for this charge but have not received any response. Additionally, Shellpoint has been frequently adding {$25.00} fees to our mortgage balance, as if we were paying late. It appears that Shellpoint might be intentionally delaying the processing of our payments to impose these {$25.00} late fees. 

So far, Shellpoint has added {$75.00} in late fees to our account. Bank representatives have assured us that these fees would be removed, but the adjustments have not yet been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
The following account is hurting my credit rating, credit standing, and credit capacity TD BANK USA/TARGETCRED [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
I applied for a refinance to lower my rate with Better mortgage and had issues with the appraisal. The person that came to my home to take photos and measurements was not the appraiser. He told me he was a realtor he just goes to houses to take photos and measurements and passes it along to appraiser who will complete the appraisal. Not only did appraiser not go to my home he used comps that was old it was the same comps used from when I purchased the home. The result was value coming in very low and loan being denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been writen to, XXXX, XXXX XXXX TRANSUNION to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( My Personal Residence ) EMPLOYERS XXXX XXXX XXXX XXXX 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 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been writen to, EXPERIAN, XXXX XXXX XXXX to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-27 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: OH

Complaint narrative:
I never recognized the following inquiries this is not mine PLEASE DELETE IT NOW! or else I will file a complaint regarding this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 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 instruction

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 2024-07-27 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:
Newrez acct # XXXX I received an invoice from Newrez for the above loan dated XX/XX/XXXX and found out that Newrez charged me {$940.00} for lender placed homeowner insurance for XXXX XXXX. I called 3 times and spoke to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX for the overcharge issue. I emailed them the declaration page of my XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Newrez Compliance Department ask me to provide a new insurance if any since my XXXX coverage is until XX/XX/XXXX already. Newrez completely ignored my complain and they did not understand the overcharge of {$940.00} issue was from XX/XX/XXXX. 

I have an attorney wrote Newrez a letter demanding response within 15 days on XX/XX/XXXX. However, I still do not receive a valid response today. Please see the attached letter from my attorney. Please help my case ASAP. Thank you very much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
The following account is hurting my credit rating, credit standing, and credit capacity ACIMA DIGITAL [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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. I submitted a dispute to XXXX regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which XXXX said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when XXXX payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified Acima and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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:
XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX and XXXX. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.

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 2024-07-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian the company has been harassing me for months now every time I try to cancel my account they make it to where I can not. I sent everything in to verify my identity multiple times. They still have not deleted my account. I have sent them all the info and request to delete my account to cancel all the digital checking and fraud will alerts I have 45 days still on my fraud alert. I do not mind that I went with a different company I want nothing to do with Experian anymore they are a horrible company there's something wrong with their support team. They sound like XXXX they most likely are. I've been trying for the longest to update info and cancel my account with them they make that very difficult and as soon as I sent the info into update my account I called them verified everything and went through the whole process again. They made sure that I was verified they said I was verified they escalated the situation and still they're asking me again to do the same thing over again. At some point it seems like it's just their support team is doing this to pretty much be criminals they're taking the data and selling it on the dark web instead of protecting you from they don't really monitor it they just make sure that they monitor themselves from getting caught by selling your data. All I wanted was to update my account they put me through XXXX I want nothing to do with experian anymore they are a horrible company. I sent my info through the mail fax I do not trust it but I did it and still again to this day after they said they updated everything they still want me to do it again I'm not sending my entire life information over again because some fake scam email their whole company is a scam. I can not stress how horrible they are. Do not trust them. Thank you be blessed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account. 
XXXX, XXXX. Trans Union has violated my rights. 

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 writing instructions.

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 2024-07-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account. 
XXXX, Equifax. XXXX XXXX has violated my rights. 

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 writing instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It was a credit card opened in my name but not my social security number and a different address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear Sir/Madam, Eversource Gas ; Cfpb ; XXXX Group XXXX I've attached the police report again. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * XXXX : Harassment or abuse in connection with debt collection. 
* XXXX : Use of false, deceptive, or misleading representations. 
* XXXX ( b ) : Failure to properly disclose my rights. 
* XXXX : Use of unfair or unconscionable means to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I bought the {$500.00} vanilla gift card at XXXX pharmacy on XXXX XXXX, 2024 which i realized the card was used by someone else i didn't authorize. 

I called on vanilla customer service today XXXX XXXX and i was told someone already called on my behalf regarding the issue, they requested me to submit some verification of ownership information to claim my card which i did already and yet to hear from them.

Company response to consumer: Closed with explanation