vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In reference to my previous complaint : XXXX On XX/XX/2023, my XX/XX/2023 mortgage payment was reported XXXX late negatively impacting my credit score, which went down from the XXXX to XXXXXXXX XXXX. I've never missed a payment or have been late on my mortgage payments once. I contacted Mr. Cooper on XX/XX/XXXX to dispute their erroneous reporting and they advised me that a case would be opened to update my credit report within XXXX days, which they have failed to do. 

Mr. Cooper is excusing their failure to properly notify me about my escrow shortage and subsequent payment increase by claiming that an online account was opened in my name through my old servicer Homepoint Financial in XX/XX/2023, and I requested for e-delivery of my mortgage statements. That is completely irrelevant because my loan was transferred to Mr. Cooper in XXXX! Mr. Cooper also confirmed in their response that I never created an account on their website, so how in the XXXX was I expected to receive a copy of my escrow statement about my mortgage payments increasing?! 

Per RESPA guidelines lenders aren't permitted to conduct negative credit reporting during the XXXX grace period after a loan was transferred. If my loan was transferred in XXXX, then XXXX would have fallen into the XXXX grace period. Additionally, I was told by the phone representative that nothing negative had happened in relation to my late payment when I was contacted about the payment discrepancy in XXXX, which I immediately rectified at that time! 

Not once have I ever missed or have been late on my mortgage payments. I worked in XXXX XXXX XXXX XXXX XXXX XXXX  for several years and am very familiar with loan transfer guidelines, as I personally XXXX  transfers to horrendous companies like Mr. Cooper AKA Nationstar AKA whatever other ridiculous name they want to go by in the next XXXX years. 

As of XX/XX/2023 I no longer work at XXXX and no longer have any access to my old work email - XXXX. Important mortgage documents during a loan transfer should NEVER be emailed, especially when an escrow analysis was run barely a month after a loan transfer! 

I can assure Mr. Cooper that I will continue to submit complaints and pursue legal action if necessary to have this issue resolved. It would be far more cost & time effective to simply correct their negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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:
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.

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 2024-01-27 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: NJ

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.

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 2024-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TN

Complaint narrative:
VANCE & HUFFMAN reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management Scam XXXX. XXXX $ XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been 30 days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY!

le accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct. 

These inquiries below are fraudulent and would like them removed immediately. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Like I've already stated in my complaints about all 3 bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MO

Complaint narrative:
I reviewed my credit report 2024 of XXXX and noticing EXCESSIVE, unlawful credit reporting violations BY TRANSUNION, XXXX in accordance of ; 15 U.S. Code 6821 ( a ) ( 1 ) ( 2 ) ( 3 ) - Privacy protection for customer information of financial institutions.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A " person '' and or company 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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I dont think I even have a collection with them anymore there is an incredible amount of calls all days and times including weekends. No voicemails and Ill block the number then they use another number. Emails and etc I can get a log if needed theres a ton over the last 3 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: NH

Complaint narrative:
I financed a vehicle with Harley Davidson Financial Services in around XXXX. I voluntarily let the vehicle go to repossession early in XXXX. The account took a long time to be listed as closed. After disputing the closed dates multiple times through my credit monitoring service, the account suddenly changed to an open with missed payment status. I contacted the creditor directly, and a representative agreed that the account shouldn't be reported this way and agreed to change it and remove the missed payment. 

The change took place about a month after my request. At this time it was reported as being closed in XXXX XXXX XXXX. Now once again for no reason the account is being reported as open with a missed payment. 

The actions of this creditor blatantly violate the Fair Credit Reporting Act and they are indeed fraudulently reporting this account in an effort to damage my ability to rebuild my credit. I hereby request that the creditor be notified of their breach of legality and remove the account from my personal credit history once and for all. I appreciate any help you can provide with this matter! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
" I am a consumer and consumers have the right to privacy. 
Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what CAPITAL ONE is doing by demanding I owe an alleged debt. '' It has been reporting for 8 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: AL

Complaint narrative:
Inquiry fraud see below

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 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit collection services is trying to connect a debt that is not mine for XXXX and I want it removed out of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NY

Complaint narrative:
NTL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been XXXX  days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY! 
XXXX accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX fraud see below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: AL

Complaint narrative:
XXXX fraud see below

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Like I've already stated in my complaints about all 3 bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Like I've already stated in my complaints about all XXXX bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations

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 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
XXXX XXXX from XXXX ( XXXX ) sent repeated emails to me to collect the money for the XXXX XXXX  XXXX, but that was a double charge, and the XXXX XXXX XXXX has already dropped the collection on XX/XX/XXXX. However, XXXX XXXX repeatedly sent emails to harass me even after I asked him to stop sending emails. 





From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX ( XXXX XXXX Subject : Re : Your manuscript XXXX payment overdue XXXX EXTERNAL to XXXX : This email is not from an XXXX account. Do not click links or open attachments unless you recognize the sender and know the content is safe. 

Account/ Subscriber Number:XXXX  ( please use this in all correspondence ) Manuscript DOI : XXXX Good Afternoon XXXX XXXX, Thank you for your email. 

We deeply apologies for the inconvenience caused. 

Upon checking we have cancelled the invoice XXXX so we can confirm you will not receive the email from collections. 

If you have any further questions or queries then please do not hesitate to contact me and I will be happy to help. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is now available at : XXXX XXXX XXXX Our chat advisors are available from XXXX XXXX, Mon to Fri US and XXXX : US Telephone : XXXX XXXX US Telephone : XXXX XXXX ( Toll free in US and XXXX ) XXXX Telephone : XXXX ( XXXX ) XXXX XXXX -- -- -- -- -- Original message -- -- -- -- -- From : XXXX Date : Friday, XX/XX/XXXX at XXXX To : XXXX Cc : XXXX, XXXX, XXXX Subject : Re : Your manuscript XXXX payment overdue Dear Publisher, Several emails from the debt collectors recently claimed that I owe the XXXX XXXX XXXX XXXX XXXX charge. However, as the email communication in XXXX and the receipt indicate, the page charge was already paid on XX/XX/XXXX ( please note the receipt was sent to my XXXX account : XXXX ). Please correct the records as soon as possible and let me know directly, not with the collectors. 

Based on the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RDCPA ), consumers have the right to stop communication with any debt collectors. Therefore, please ask the debt collectors to stop any communication regarding this matter to me. I reserve all rights to file a report to the Consumer Financial Protection Bureau or take legal action against unlawful debt collection practices. 

I hope we can resolve this miscommunication in a civilized way. I appreciate your understanding. 

Sincerely, XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: CA

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.

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