vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus Equifax, XXXX, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, XXXX, & Experian without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer 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 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2000.00} reported on XX/XX/23. I never signed a wet contractual contract with this company nor have an opened account with this company

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 2024-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper is continuing the practice they were sued under in case # XXXX. This lawsuit was filed by the CFPB and Mr. Cooper continues these same unethical practices. 

I filed Bankruptcy in XX/XX/XXXX. The Bankruptcy courts approved Mr. Cooper charging me {$950.00} while in Bankruptcy, but Mr. Cooper charged me over {$4000.00} in fees not authorized by the bankruptcy courts. 

Mr. Cooper at first denied my request for corrections so I supplied documentation showing where the fees charged by Mr. Cooper in XX/XX/XXXX ( motion for relief, attorney fees, and {$180.00} in filing fees ) were all filed incorrectly and dismissed by Mr. Cooper 's attorney in XX/XX/XXXX. This included all fees including the attorney fees charged and is clearly documented as being dismissed by the email evidence from my bankruptcy attorney as well as the court order filed XX/XX/XXXX, but Mr. Cooper refuses to correct this issue. 

When my loan was transferred to a new servicer XX/XX/XXXX these fees suddenly appeared. One fee is for an appraisal I was charged {$500.00} for that was never approved by the courts as required by law. I have additional fees of {$170.00}, {$100.00}, {$180.00}, multiple charges for {$1200.00} motion for relief, {$110.00} for another unknown fee, {$350.00} fee, {$140.00} in another fee, {$490.00} fee, and a {$600.00} fee. All of these charges can be found on the XXXX payment history I have attached. 

Mr. Cooper also incorrectly managed my escrow account. While they advised the new servicer upon transfer, I was behind 3 months in payments ( which was not true ) they grossly overcharged me in escrow resulting on the new servicer having to refund almost {$2000.00} in overpayments made to escrow. This is a violation of the law and can be found in the XXXX payment ledger as well. 

Enclosed : XXXX payment ledger 2. CFPB vs Mr. Cooper lawsuit 3. Amended Bankruptcy filing removing fees 4. Correct payment ledger

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I WOULD LIKE TO MAKE A CREDIT INQUIRY, DISPUTE, AND COMPLIANT AGAINST NAVY FEDERAL CREDIT
UNION.THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX  , AND e
GRUDGE HOLDING XXXX OF THE HIGHEST ORDER. I WILL NEVER LET THIS GO UNTIL THE END OF TIME. I
WILL NEVER FORGIVE THEM IN MY HUMAN ADULT LIFETIME FOR THIS XXXX  ACT. UNTIL THIS IS OFF MY
CREDIT REPORT ASAP. I HAVE A SPOTLESS CREDIT FILE. THIS MAKES NO SENSE. THIS XXXX  AND XXXX
COMPANY FULL OF XXXX XXXX  WHO XXXX XXXX PEOPLE AT ALL COST AND SUPPORT XXXX XXXX  WITH XXXX DECEIT AND CRIMINAL ACTIVITY. I HAVE A 20 YEAR 100% XXXX XXXX XXXX XXXX AND HAVE A SILVER STAR AND NUMEROUS OTHER AWARDS , I DO NOT OWE THEM
ANYTHING. IM ASKED THEM REPEATED TO SHOW ME THE PRINCIPAL AMOUNT OWED TO NO AVAIL.
THE ALLEGED AMOUNT I OWE IS NOTHING BUT XXXX  ILLEGAL FEES INTEREST AND COMPLETELY FALSE
MADE UP CHARGES OUT OF THIN AIR. THE SOLDIERS AND SAILERS ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIES THIS WAS A SECURED CREDIT CARD. I OWE THEM NOTHING. I WILL SUE FOR
DAMAGES FOR XXXX  AND XXXX  DISCRIMINATION, .AS WELL AS THE AMERICAN WITH DISABILITY ACT.
STOP THE MADNESS. PLEASE FULLY INVESTIGATE THIS WITH ABSOLUTE PROOF.
NAVY FEDERAL CREDIT UNION
XXXX SECURED CREDIT CARD
OPENEDXX/XX/XXXX
CLOSED
CHARGE OFF
CREDIT LIMIT XXXX  PAST DUE XXXX
REVOLVING
INDIVIDUAL
SECURED CREDIT CARD

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX Reported a late payment Account name XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/XX/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 2024-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I was in-forced to leave my house with five days notice on a paid month the end of the year of XX/XX/XXXX XXXX The reason was told because I had too many complains on " why they do not have a Camera system to monitor the parking space at the complex. '' I have two police report incident and insurance reports of my employment van " hit and run '' and another report of breaking my van windows. The office manager was not helpful to the police either me when I reported the claim incident. Perhaps, She made my situation worse by kicking me out with 5 days notice, I have paid XXXX and all my rents on time, plus I gave them the key and left the place within the five days. Then I asked for my deposit they said to call them back within two weeks, called few times for almost four months intel i give up on my deposit, they toke it. The manager toke advantage my XXXX is not good back then and i dont know my rights as a rental, especially during COVID. Now, I found on my credit report they billed me for a lot money. I believe its a false debit collection they need to remove because they terminate my lease for unfair reason. I left the place with paid month, clean place, and gave the keys. Please dispute and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have lived in my home since XXXX. It was bought for approximately XXXX. During this time home equity loans were taken by my partner. My partner died in XXXX and the mortgage was transferred into my name. I paid my mortgage on time every month until XXXX when I feel behind on payments. The mortgage was transferred to Select Portfolio Servicing at some point. Somehow, even though I have been in this home for almost 30 years and the value has risen to about XXXX, they are telling me I only have XXXX in equity and still a balance of XXXX. My mortgage was also raised over the past years, from {$2400.00} to now {$3000.00} a month. I think I have been preyed upon because they know I am elderly. I would like some resolution to find out how I still owe so much and have so little equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: VA

Complaint narrative:
I was a victim of the XXXX data breach. I want this account deleted from my credit report ( Account Number : XXXX ) I have supporting documents showing proof of data breach affecting my credit report and not reporting on any other credit bureaus.

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 2024-01-01 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me. Also NCA collection company isnt authorized or have a license to conduct business in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am writing to formally file a complaint against Synchrony Bank and Care Credit for the unwarranted and damaging reduction of my credit limit. This action, which I believe to be a direct result of erroneous reporting by XXXX XXXX, has caused significant and undue harm to my financial standing and overall credit health. 

For years, I have been a responsible and prompt customer, always ensuring my payments to Care Credit and other accounts under Synchrony Bank were always made on time. Despite this history of diligent financial management, I was shocked to find that my credit limit had been substantially lowered ( {$9000.00} to {$3200.00} ) without prior notification or a valid reason ( your reasoning is based on a cascade of negative credit events as a result of XXXX 's erroneous reporting ). This reduction in credit limit not only undermines my trust in your financial services but also has cascading negative effects on my credit score and utilization rates. 

I understand that lenders periodically review accounts and make adjustments based on various factors. However, it is clear to me that this action was taken in response to an erroneous 30-day late payment report from XXXX XXXX XXXX XXXX situation that was entirely out of my control and has since been rectified. The decision to lower my credit limit in reaction to this incorrect information is both unfair and irresponsible, failing to take into account my long-standing history of creditworthiness and the extenuating circumstances of the reporting error. 

This reduction has had immediate and profound repercussions, including : A decrease in my credit score due to increased credit utilization. 
Restricted financial flexibility and access to emergency funds. 
Increased psychological stress and concern over my financial reputation. 

I have attached documents notating my original credit limit, my letter from XXXX explaining their mistake and a screenshot of the adverse toll this has taken on my credit and continues to do so as a result.

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 2024-01-02 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: NJ

Complaint narrative:
My rights have been violated I did not give written instructions for these accounts to be place on my credit report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on my credit inaccurate information on my Credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am opting out of my information being reported to a nonaffiliated third party. Per 15 U.S. Code 6802 " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given or notified of an option to opt out before the time any information ( payment history, account balance, late payments ) was reported to the credit bureaus ( nonaffiliated third party ). As you may know everytime my account information was sharing to a nonaffiliated party without giving me prior notice or option to opt out is {$1000.00} per violation. The debt was sold to a 3rd pary and is now charged off. When a debt has been charged off it is now considereed a certifiacte of indebtness which is considered income and income can not be reported to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
on XX/XX/24 i received a letter stating i owed a debt to XXXX. it was from frontline asset strategies , LLC. they mentioned the amount i owed XXXX, which was {$900.00}. This is an incorrect amount, as i do owe XXXX money but, it was about XXXX dollars i had left to pay for an installment and another XXXX for a watch i had with XXXX. As for why I left XXXX with this bill? Lets just say I stood longer than anyone in my position with this company would have stayed. They made a very big mistake on my account and admitted they made one but still stuck me with a big bill I wasnt liable for. Its a long story i wont go into here. but frontline is claiming i owe XXXX dollars but didnt give me a breakdown of my bill. Then they said they can garnish 90 PERCENT of my earnings over 90 days if they get a judgement against me in court. This is illegal in XXXX where i live as they are only allowed to take 25 % MAXIMUM. If im wrong please someone tell me because this is making me angry as XXXX is still harassing me for this. Im going to sue frontline if they try this on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

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 2024-01-01 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:
My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # 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 2024-01-01 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:
My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # 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 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX I made a purchase using a credit card but no other personally identifiable information was provided. The next day I received an email coupon sent on behalf of the merchant by Square ( a business unit within Block , Inc. ). 

I have requested information on the information held by the company on me ( in line with their privacy collection practices ). A similar incident occured ( with a different merchant ) on/about XX/XX/XXXX, XXXXXXXX XXXX XXXX. 

In total, I have emailed the company 's privacy team three times and sent a letter to the chief legal officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to use my american express virtual gift card at many online retailers and they all declined the transaction stating that american express said the transactions were fraudulent.

Company response to consumer: Closed with monetary relief