vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
In XXXX of XXXX I prepaid the principal balance of my mortgage by {$200000.00} bringing the remaining principal balance down to about 54 % of the original value of my home. I was unaware of the fact that I had to then ask my mortgage company to discontinue my PMI in writing. I has not focused on the fact that once the mortgage balance fell below 80 % I should have requested the removal of PMI in writing at that point. Afterwards, in XXXX of XXXX, I made a written demand upon my mortgage company ( via its servicer ) that I get a refund of approximately {$1400.00} of PMI paid after my loan went below 78 %. Their response indicated that the 78 % Rule is only effective and PMI automatically terminates " on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' Thus they have refused any refund of the excess amount. 

This " scheduled '' language provides a windfall for the PMI issuer in that they continue to get insurance premiums even after a loan falls below the 78 % milestone - and they have no exposure. This is unjust and when a loan is paid down below the 78 %, the PMI should stop at that point and not at some future " scheduled '' date. This Rule or law should be changed to prevent this from happening to unsuspecting borrowers! As a consumer, I ask that the CFPB make an inquiry on my issue and get this unconscionable Rule or law changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
Upon checking my credit report, I noticed it has some information that are false and not the maximum possible accuracy. These inaccurate information is causing unnecessary stress and is affecting my life and my credit score negatively.

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 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX Complaint and Dispute Against XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint and dispute against XXXX XXXX XXXX for their violations of federal consumer protection laws. The agency has infringed upon my consumer rights in several ways, as outlined below : 1. Failure to Provide Validation Information : XXXX XXXX XXXX Collection Agency has failed to provide the necessary validation information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests, they have not furnished any documentation to substantiate the debt they claim I owe. This lack of validation is a clear violation of my rights as a consumer. 
2. Reporting to Consumer Reporting Agencies : Despite their failure to validate the alleged debt, XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully placed a collection account on my consumer report. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they are prohibited from furnishing any account information to a consumer reporting agency without first providing all required disclosures and validation. This action has adversely affected my credit score and financial standing. 
3. Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not informed me of my right to dispute the debt within the specified period, further violating my rights under federal law.

4. Use of Deceptive Practices : XXXX XXXX XXXX XXXX XXXX has employed false, misleading, and deceptive means to collect the alleged debt. Their actions constitute a clear violation of consumer protection laws and have caused me undue stress and inconvenience. 
Given these violations, I hereby dispute owing any debts to XXXX XXXX XXXX XXXX XXXX. Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request that they provide the following documentation within 30 days : * Debt validation and verification of the alleged debt. 
* The purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor. 
* Proof of XXXX XXXX XXXX XXXX XXXX 's licensure and bonding status. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against XXXX XXXX XXXX XXXX XXXX to ensure compliance with federal laws. Additionally, I ask for the immediate removal of the collection account from my consumer report and any other appropriate remedies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information 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 non-monetary relief
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint regarding the ongoing issue of incorrect personal information on my credit reports with all three major credit bureaus : XXXX, XXXX, and TransUnion. Despite multiple attempts to rectify these inaccuracies, the incorrect information remains, causing significant XXXX  and inconvenience. 

Correct Information : Name : XXXX M XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs I have contacted the credit bureaus multiple times to correct this information but have not received a satisfactory resolution. This persistent inaccuracy is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : The obligation of credit bureaus to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information. 
Section 623 ( 15 U.S.C. 1681s-2 ) : The duty of furnishers of information to provide accurate information and correct any inaccuracies.

These inaccuracies have impacted my ability to obtain credit and caused unnecessary stress. I kindly request the CFPB 's intervention to ensure that the credit bureaus comply with the FCRA and correct my credit reports. 

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

Sincerely, 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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
So with the previous complaint we thought we had a resolution that Aspire Credit Card agreed to a settlement but still continued to charge me. and now I`m am getting ready to pay them on Monday for the settlement amount and they are claiming they know nothing about it So now I want to file another complaint and actually want something done about it. Now i want a 75 % settlement for the negligence and stupidity of the Aspire staff and disrespect from them. I`m sick and tired of the same answers i get from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NJ

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXXccount Number : XXXX Account name : XXXX XXXXXXXX Account Number XXXX XXXX  Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-06-28 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-06-28 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: DC

Complaint narrative:
On XX/XX/2024, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, Experian deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called Experian 's customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I lost my job just before Covid, then had trouble finding a new one due to the pandemic, so for about 5 months I could not pay my bills. My account with the card issuer was closed as a charge off with a balance due. I have since regained employment and paid back my creditors, except for two. One is on a payment plan and this one will not accept my money. 

After reaching out to them to either settle my account for less or be on a payment plan to pay the balance back in full, I was told that the debt had been canceled and I was issued a 1099C. Its possible I received one, though I can not recall ; however, this creditor is still reporting the full balance due monthly to the three major credit bureaus. If the debt was indeed cancelled, my balance due should be reported as {$0.00} and if it wasnt cancelled, then I should be given the opportunity to repay the debt. 

This unfair practice of the original creditor to not allow me to pay and continue to report a balance every month on my credit report, thus tanking my score, is making it nearly impossible to purchase a home or obtain new credit.

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 2024-06-28 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:
Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. I've previously contacted you about this and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused significant distress and inaccurately represents my credit history, hindering important financial goals like home ownership and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX Listed XXXX are the Collections that are being challenged XXXXXXXX XXXX - XXXX XXXX below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 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: NJ

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-06-28 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: NJ

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year>, an individual named XXXX XXXX opened four business accounts under my company name and added himself to the accounts without the correct paperwork. A police report shows there was no actual ID present at the time. I can prove that I was in XXXX not XXXX XXXX where this occurred. When I contacted PNC Bank about this, they claimed they verified my address, which did not happen since I did not live at one address at that time and never received any letter from them. They said its not their problem. If they had not opened the accounts fraudulently, I wouldnt be experiencing this pain and emotional distress, which has also affected my famiLy

Company response to consumer: Closed with explanation