vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: GA

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I have been a client of XXXX XXXXXXXX XXXX for many years with an excellent on time payment history however after reviewing my credit report and by seeing a few late payments, not sure why the late payments wasn't posted to my account by the due date. I tried to resolve this issue with the company but they refused to help and as though of a consumer i feel as though my rights have been violated.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a client of XXXX XXXXXXXX XXXX for many years with an excellent on time payment history however after reviewing my credit report and by seeing a few late payments, not sure why the late payments wasn't posted to my account by the due date. I tried to resolve this issue with the company but they refused to help and as though of a consumer i feel as though my rights have been violated.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
I WAS SENT 2 STATEMENTS FROM THEORIGINAL CREDITOR '' XXXX XXXX RESPONSE '' AN INVOICE ON XX/XX/2018 & XX/XX/2018 PRE-COLLECTION NOTICE. THERE ARE XXXX REFERENCE DATES COLLETORS CAN USE WHEN FILLING OUT THE VALIDATION NOTICE THAT WAS SENT TO ME ON XXXX '' DATE OF SERVICE '' XX/XX/2018 WAS XXXX THE ITEMIZATION TABLE. THEY ARE NOT USING THAT DATE. 
THIS IS A SECOND ISSUE PHOENIX FIN SERV IS REPORTING TO XXXX UNDER THE REPAYMENT " TERMS '' - THE AGREED-UPON AMOUNT OF TIME TO PAY BACK THE MONEY BORROWED. I NEVER AGREED AND I DID NOT BORROW ANY MONEY. IT WAS AN XXXXE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2023 my home hazard insurance policy through XXXX XXXX XXXX was set to renew but was pending an escrow payment from Mr. Cooper, my mortgage servicer, of {$3900.00} which was available in my escrow account. 
Mr. Cooper was aware of the need to submit payment to renew the policy from both the expiration of the existing policy and through written communications from XXXX XXXX ( my insurance agency ). 
Mr. Cooper proceeded to send the payment on XXXX XXXX, 2023. Due to the late payment, my insurance was not renewed. 
The insurance company did not send a follow-up notification that they did not receive me payment and my policy was not renewed. I was not made aware there was no insurance policy on my home until I received a return check from XXXX for {$3900.00} on XX/XX/scrub>XX/XX/2023 
I then proceeded to contact my insurance agency to verify I had no active policy and to have a new one drafted and immediately contacted Mr. Cooper to resolve the issue. 
My new policy, which I worked with XXXX XXXX to get and had no help from Mr Cooper, did not cover the lapse in coverage and instead began on XXXX XXXX, 2023. 
Mr. Cooper is now attempting to have a retroactive forced place insurance policy of {$980.00} established for the 40 days I was without coverage. 
I have attempted 4 times to contact Mr. Cooper to have the issue resolved but each occasion have been left on hold for hours to be told they will call me back to assist. I have yet to receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
unauthorized account was opened with my 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
unauthorized account was opened with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
unauthorized account was opened with my 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have request validation of debt from them for the past 8 months and they are ignoring my request. It's mu understanding that per FCRA they are to take my request seriously.

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 2024-01-25 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-01-25 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
This company has been repeatedly calling me from an unknown/restricted number. They call me once every week for the past 3 years. I did answer in the beginning and talked to someone and stated the debt isnt mine. A scholarship paid for my tuition. They still continued to call me. I got a call tonight stating the following ; This is an attempt to collect debt, and any information of change will be used only for that purpose. Due to recent changes and credit reporting rules pertaining to medical debt If your account has been reported to the three major credit bureaus, and are related to a medical expense They're eligible for deletion from your credit file once paid. They sent me a letter in XXXX  stating if I didnt pay then they would take me to court. I just want it to stop.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm disputing the XXXX XXXX account ( XXXX ) on my credit report because Experian is the only agency still listing it, even after multiple disputes. I've provided evidence and police reports, but Experian hasn't removed the fraudulent account, ignoring my requests.

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 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX by Flagstar Bank XXXX XXXX XXXX XXXX, Texas XXXX. Customer XXXX. Escrow analysis XXXX. Escrow Analysis date : XX/XX/year>. I'm surprise that they charge me XXXX, XXXX for home insurance. Escrow shortage XXXX. Escrow shortage balance XXXX. I tried to contact with them to resolve the issues but it's difficult to connect to the right person that can solve the issues. 

I had 2 home loans with them. XXXX is my home insurance and Flagstar confirm with XXXX. I was really surprise for the total escrow shortage of XXXX, XXXX. I paid both of my home insurance at XXXX. I tried to pay my bills on time. That's the reason my credit score usually above XXXX. Since I have a problem with this Escrow shortage for my home insurance policy issue.My credit score XXXX below but at least maintain above XXXX. I hope I will be able to get the home insurance money that the flagstar bank purchase for my house. What happened I end up paying 2 home insurance at the same time. That's a lot of money on my end to loose. Please help me to resolve this issues.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
For account XXXX Mohela I submitted forms to show the progression of the loan repayment for the public loan forgiveness. 
I have document to show that the progression isn't reflecting the documents I've submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reported XX/XX/2022, XX/XX/2022, and XX/XX/2022. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reported XX/XX/2022, XX/XX/2022, and XX/XX/2022. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required 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 non-monetary relief
Consumer complaint received 2024-01-24 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible 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