vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
On or about XX/XX/2023, I contacted Mr Cooper mortgage about having my FHA mortgage assumed. They advised that a loan assumption would take approximately 60 days to complete. On XX/XX/2023, a buyer made an offer on my house contingent upon them being able to assume my FHA loan with Mr Cooper. I immediately contacted Mr Cooper and requested to start the assumption process. They refused to email the assumption application documents until after they had been mailed. Once mailed several days after requested, I had to call and request the documents emailed on XX/XX/2023. Once emailed, the assumer and I completed the requested documents within 24 hours of receipt and emailed them back on XX/XX/2023. Mr Cooper failed to have contact with me and I did not receive updates unless I called customer service. I called on XX/XX/2023 and was notified that another form needed to be completed. I promptly completed the form and emailed it back to them the same day. Mr Cooper again failed to have contact with me. I called several times the following week. I was advised that all documents were completed and received as of XX/XX/2023. I asked to speak to a loan officer and they refused to let me speak with one. Over the next 3 weeks, I was told that the assumption process was backed up and would take 4-6 months to complete. I requested several times to speak with a loan officer or manager and was denied. I asked to have the assumption escalated. I was advised that a loan officer would contact me by XX/XX/2023 but they failed to do so. Customer service continued to deny me my request to speak with a loan officer or manager of the assumption department.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it.

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another XXXX XXXX inquiry by XXXX XXXX, dated XX/XX/XXXXXXXX Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXXXXXX 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than four business days after your receipt of this correspondence.

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 2023-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Comenity is purposely misleading and lying to the consumer about Terms of closing a account, the obligations, and create gaps to ensure that the consumer will have to pay more even after account is closed. It small amounts that they charge. But over the total consumer population size. It drastically most likely brings more money in. 

In XXXX. I paid the full amount to close the account out. Comenity said there was nothing left to do. 

XXXX I got an email from Comenity XXXX XXXX that I owed a late fee. Already this contradicts what they said to me in XXXX XXXX 

I called the rep after seeing this email. The rep said she was waving the fee and nothing further needed to be done. ( But when I called in XXXX there was not record of this ) Now in XXXX i get another email This time the amount has gone up. They also charged me interest fee. on top of this XXXX dollar fee plus late fee on top of this late fee. I mean when an account is closed it is closed. And they have lied on multiple steps. Researching on the web this has been a thing the XXXX XXXX has done to many other consumers. 

Also if you pay the amount due by the date and time, which they say they honor. It is nor processed. They will apply the orginal amount and top the interest amount of that. 

It is really seriously evil credit card tactics. And definitively need to be investigated. 

It is really petty theft that in turn is completely taking advantage of consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Experian ) that my credit score had tanked XXXX points. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of 2022, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of 2022 to a ZERO balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, specifically regarding my account with them, Account XXXX : XXXX. I have experienced a significant issue related to this account, which has negatively affected my credit report. 

I recently discovered that an account from XXXX XXXX has been reported on my credit report, and it is negatively impacting my credit score. To my astonishment, I have received no prior notice or communication from XXXX XXXX concerning any debt associated with this account.

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 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: TN

Complaint narrative:
I made a loan with Integra Credit on XX/XX/XXXX for {$1000.00}. Thus far as of XX/XX/XXXX I have paid a total of {$1600.00} and they say another {$530.00} is due. The required payment changes every 2 weeks and they add each pay cycle a fee in the amt. of {$41.00} plus interest payment.. 

This is a total scam - their interest must be at 1000 percent Can you help me on this. I have fairly good credit and always pay on time but this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: OH

Complaint narrative:
I have tried already to multiple times to remind XXXX XXXX the XXXX XXXX in place but they still refuse to remove the late payments, while other credit companies have. 


XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING, LLC has sued me and got a judgment against me without me being notified in the 1st place of the lawsuit. It does not state who my original debt is with. I do not recognize this debt or the amount ( {$1200.00} ). Their lawyer, XXXX XXXX XXXX XXXX, are demanding personal information that I should not hand over until I know exactly what debt this is and the detail of the debt or proper notice of trying to collect the debt. 
This is improper practice and this company has a long history of unethical practices and having their lawyers harass people. They are behind their lawyers bullying and threats of judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
I have been disputing inaccuracies for almost 12 months now and the credit reporting agency has been in violation of removing this inaccurate and incomplete information that has been giving me stress. This reporting must be removed via FCRA and I do feel like this is a form of racism and discrimination from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I spoke With rep XXXX on XXXX around XXXX XXXX time. He kept over talking and being aggressive towards me on that phone call. I asked him question 's that he would not let me finish. i asked for manager and XXXX hung up on me. i felt harassed and abused.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL LLC Is Reporting on my XXXX report an account which shows as act XXXX with a balance of a balance of {$540.00} I have no knowledge of this account, I have dispute and requested a proper verification and validation, as of the fair credit act the company has not complied. 

I request a immediate removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX {$1500.00}XX/XX/XXXX {$20000.00} XX/XX/XXXX {$5900.00} XX/XX/XXXX, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX, {$5900.00} XXXXXXXX XXXX XXXX {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Today, XXXX I contacted USAA and closed my checking, savings and credit card accounts. When I asked them to close my membership they refused. My membership contains my PII, including social security number, date of birth and home address. I let them know this and after talking to XXXX different people they flat refused and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: 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 XXXX : 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 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX Account XXXX : 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 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 2023-10-25 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: FL

Complaint narrative:
I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it. 

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another factual data inquiry by XXXX XXXX, dated XX/XX/XXXX. Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXX. 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than XXXX business days after your receipt of this correspondence.

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