vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I have a VA homeloan managed through Freedom Mortgage. They are not easy to communicate with. They have a XXXX  call center for their phone number and I can not accurately communicate with anyone when I call for information about my Escrow account. I ask to be re routed to statestate service and then sometimes I am connected to someone who is working from home that has XXXX knowledge about Escrow account information. I requested they mail me my Escrow analysis and they did not mail me anything. I check my account with them online and the Analysis for the escrow has been changed or doctored and does not reflect accurate information as far as my County Taxes and Home Insurance. Freedom Mortgage is a nightmare to try and communicate with and I have a recorded conversation where I am trying to get them to explain my Escrow account and they simply can not do so. They wont escalate my call to someone with more seniority or expertise. I feel helpless as a Veteran who is trying to keep up on my home loan which is a VA homeloan and backed by the FDIC. 
Statement dated XX/XX/XXXX stats inaccurate current payment amount of {$1900.00} and a new payment amount of {$1900.00} effective XX/XX/XXXX. The projected min balance was listed {$190.00} with required min balance {$470.00}. Resulting in shortage amount {$270.00}. This does not add up since my escrow payments through XXXX were {$210.00} per month X XXXX = {$2500.00}. My County Tax was {$1800.00} and home insurance was {$1000.00} so thats {$2800.00} which leaves I assume $ XXXX $ XXXX {$260.00} but they are saying I have a shortage of {$270.00}.

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 2025-01-12 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 filed form 14039 with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore theperpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in inaccurate personal information, negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title 15 USC 1692G ,1692K et seqThe FCRA demands that CRAs use reasonable procedures to assuremaximum possible accuracy of information contained in consumer reports, 15U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute anyincomplete or inaccurate information in their report. 15 U.S.C. 1681i.All inaccurate information highlighted in my credit report must be deleted immediately. 


All the highlighted personal information is inaccurate

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed form 14039 with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore theperpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in inaccurate personal information, negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seqThe FCRA demands that CRAs use reasonable procedures to assuremaximum possible accuracy of information contained in consumer reports, 15U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute anyincomplete or inaccurate information in their report. 15 U.S.C. 1681i.All inaccurate information highlighted in my credit report must be deleted immediately. 


All the highlighted personal information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am a victim of the XXXX data breach, which resulted in my identity being stolen and used to create a fraudulent account. I disputed this account through XXXX and submitted the required documentation, including an FTC Identity Theft Report. While the credit bureau removed the account linked to the collection account, they have failed to remove the collection account itself. Despite both accounts being disputed simultaneously using the same FTC report, XXXX is now claiming the report does not meet the criteria to remove the collection account. Furthermore, the dispute has remained open for over XXXX  days without any documentation from the creditor verifying the account 's accuracy. XXXX has even reopened the dispute beyond the XXXX day period, still with no communication from the creditor. Also, without the removal of the account. As a consumer, I have the right to request the removal of this account after the dispute was opened for XXXX  days with no validation of the debt from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I visited Discover.com to check my rate for a personal loan after receiving advertising material stating Check your rate with no impact to your credit score. I followed the prompts and immediately stopped when it showed the rate, as I was unsatisfied with the rate and had no intention of proceeding with this loan. I did not further engage the website or loan portal in any way to ensure there would be no hard credit inquiries. On XX/XX/XXXX around XXXX XXXX I received an email confirming an application was submitted, which I did not authorize, as well as a notification of a hard credit inquiry from Discover, which I also did not authorize. Prior to this I had no access to my phone or computer to even be able to submit an application, and even at that, I had no intentions of going back to the loan inquiry to even look at the request to take any action. At this time Discover Personal Loans was closed so I could not call to notify them of this. On XX/XX/XXXX I called to let them know I did not authorize this application to be submitted or my credit to be pulled. The representative told me all they could do is cancel the application and offered no solution for the unauthorized credit pull. The representative acknowledged that I stated these actions were not authorized but still took no action. I called back and spoke with a supervisor to try to obtain a resolution and all he did was try to offer me loan options and acknowledged that I told him I did not authorize this application or credit pull, but still did not provide a solution for Discover to review and rectify the issue of them pulling my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is a fraud case I never opened these accounts for me to have these inquiries CAINE & WEINER-XXXX XXXX XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached Affidavit and other relevant documents. 

XXXX XXXX XXXX XXXX XXXX XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX amount {$320.00} acct XXXX conflict not resolved XXXX XXXX XXXX  XX/XX/XXXX amount {$450.00} conflict not resolved jefferson capital system XX/XX/XXXX amount XXXX conflct not resolved XXXXXXXX XXXX XXXX  XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXXXX/XX/XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX conflict not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX amount {$320.00} acct XXXX conflict not resolved XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX amount {$450.00} conflict not resolved XXXX XXXX XXXX XX/XX/XXXX amount XXXX conflct not resolved LVNV fundinf llc XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXX  XX/XX/XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX conflict not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX and XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$780.00} please remove addresses : I never lived in XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX or I never lived in XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
Dear XXXX, I am writing to file a complaint against XXXX, XXXX, Transunion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, XXXX, Transunion continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, XXXX, Transunion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, XXXX, Transunion have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, XXXX, Transunion cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, 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 2025-01-12 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: NV

Complaint narrative:
Account XXXX XXXX in XX/XX/XXXX after paying off balance with XXXX I drew funds. I made payments and received receipts of payments but missed a couple that I thought were paid as I received emails stating they were paid. Upon learning of the missed payments I entered a payment arrangement and have been making those payments. Account was reporting fine. We bought a house and closed XXXX XXXX. Our credit was run that day and no delinquencies reported. XXXX days later I got notice my score dropped XXXX points. I immediately contacted XXXX who reported a XXXX  day late in XX/XX/XXXX. I disputed with the bureau and it was returned as accurate though XXXX updated it and changed the delinquency from XXXX  days in XXXX to XXXX  days in XXXX and XXXX  days in XXXX resulting in a second XXXX point drop to my score dropping it to XXXX. I again reached out to XXXX asking them to correct this due to the miscommunications on their part and my belief that the account was in good standing. Both times I received canned responses saying the credit bureaus determine what to list and report. Today ( XX/XX/XXXX ), when I discovered the second XXXX pt drop I did some research and learned that XXXX is not legally permitted to issue loans or lines of credit in the State of Nevada. They were aware I was a resident of Nevada. I have lived here almost XXXX  years. My bank account the drafted from is from Nevada, I work for the Nevada government and provided them paystubs showing this as well as a copy of my state issued Nevada identification.

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 2025-01-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : 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 Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
its reporting on my credit report as open and closed account when theyre closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Regional Management Corporation
State: TX

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate XXXX XXXX XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States 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. 

XXXX has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when XXXX has other information available to suggest the furnisher in unreliable.

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