vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: CBC Companies, Inc.
State: CA

Complaint narrative:
To Whom it may concern? 
I have noticed Inaccurate information being reported and sold to several agencies, the inaccurate Personal Information continues being posted on Innovis XXXX solution when I did not authorize for Innovis to obtain or trunk personal information, this information has been Misled with the wrong address and telephone number I am asking from Innovis to delete any Personal information Reported Without authorization from the consumer Innovis is a third-party bender Assuming the role of a Credit Bureau XXXX as mentioned from one of his employees on XX/XX/XXXX. 2024 at XXXX XXXX Please Im asking Innovis to delete All personal data Not authorized by the consumer. I will be sharing a PDF file of my right to delete that information, along with the information that Innovus is requesting in order to Identify my personal information in order to delete what is on file and Justice to inform Innovis I do not have to provide my Social Security to your agency to identify my identity. If you can not provide the consumer the the information Requested by the consumer Delete the information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I reluctantly paid MRS BPO LLC, {$16000.00} to " settle '' a debt from XXXX XXXX XXXX XXXX. I received a letter ( attached ) that stated " You will be released of any further obligation to XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I received XXXX letters from MRS BPO , LLC stating that I owed XXXX XXXX XXXX and was offered to settlement options. 

XXXX ) I feel as though I was deceived back in XXXX as I was told an amount to settle that would eliminate any further actions. 

XXXX ) I want to be fully compensated for any amount I paid if I was forced to pay under pretenses and also be compensated for the harassment of MRS BPO , LLC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Experian has ruined my credit report by inaccurately reporting a closed auto loan on my Experian credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect XXXX XXXX. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. Experian has violated my rights and XXXX misreported a closed charged off auto loan onto my Experian credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling Experian customer service number and kept being put on hold leading to them just hanging up the phone on me. Experian operates extremely inefficiently and does not do good business.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.

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 2024-04-18 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 2024-04-18 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: The Receivable Management Services LLC
State: MO

Complaint narrative:
Not my accounts

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 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper XXXX XXXX Mortgage Date XX/XX/2023 Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Problem ( XXXX ) : XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00}. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ). 

Problem ( XXXX ) : I have never received the Surplus refund via check for the amount of {$170.00} dated XX/XX/2023 as per evidence in XXXX XXXX dated XX/XX/2023. Kindly send me the check to my address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX As per documented evidence, upon login to the website, the following payments were made from the Escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have contacted the current insurance company named XXXX XXXX XXXX and they mentioned that the insurance company chatted with your XXXX XXXXXXXX subserviced by XXXX XXXX ( via text ) on XX/XX/2023 and they verified that this was sent in error and further advised that this payment was refunded to your escrow account on XX/XX/2023. They asked that we suggest you call XXXX to verify the information that we are relaying. We chatted with XXXX XXXX with your escrow servicing company. 

There is a still outstanding refund of the amount of {$760.00} which the XXXX XXXX subserviced by XXXX XXXX is obligated to pay back to me below is supporting documented evidence and detailed in-depth explanation. XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00} and thus required to refund the amount of {$760.00} at earliest. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
On XX/XX/2024 XXXX XXXX notified me that a hard credit check was added to my report. 
On XX/XX/2024 XXXX XXXX reflected a hard inquiry and my score dropped 3 points. 
On XX/XX/2024 XXXX XXXX emailed me providing me the last XXXX digits of and account and thanked me for registering my Indigo Platinum Mastercard. 
On XX/XX/2024 I received a second email from Concora Credit providing me with the last 4 digits of the account confirming the enrollment of the indigo Platinum Mastercard go paperless statements On XX/XX/2024 I received a third email confirming Email Address Update. This provided my current email address and other individuals XXXX account. 
On XX/XX/2024 I called the number for this credit card company, and they indicated it was a debt collector - I could not reach anyone and remained on hold for several minutes before hanging up. 
On XX/XX/2024 - I called XXXX to report identify thief and filed a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: SC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Iam requesting that you update my credit because its showing that this loan is over 180 days past due and I did not ask to be set up on a payment plan. Myself and XXXX XXXX are divorced and per our divorce decree he was awarded this foreclosed property. If you look on the XXXX XXXX records this property is owned by another person. This property was in foreclosure 2019 and again another person purchased this property illegally. Update my credit file to reflect I am not 180 days late because I never set up payment arrangements to get this loan back current. Cause # XXXX XXXX was illegally purchased after 2019 forclosure the deed is not in my name anymore. Rushmore Mortgage is revolving this debt on my credit every month fully aware that the property has another owner. I did not set up a payment plan. please investigate. I was recently diagnosed with a XXXX XXXX this is extremely stressful and I have XXXX small children to take care of. I am on full ssa. I have proof that I can provide as well regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent sent me a credit card statement and that is it. 

My original credit limit with XXXX XXXXXXXX was {$1500.00}, the statement reads that I was behind in payments {$590.00} making my new balance {$1900.00}. 

Which is a total misrepresentation of the actual amount owed. 

The statements suggest that I had only made {$73.00} in payments which is not true. The reference ID is XXXX. 

They have not threatened legal action for this wrong amount of money and are sending non stop emails, I never even gave them my email address. They are trying to strong arm me with legal action so as to stick me with an overly charged about of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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
Consumer complaint received 2024-04-18 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: MI

Complaint narrative:
The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : XXXX XXXXXXXX XXXX Account no. XXXX XXXX : {$3100.00} XXXX XXXX Account no. XXXX XXXX : {$0.00} XXXX Account no. XXXX XXXX : {$3100.00}

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 non-monetary relief
Consumer complaint received 2024-04-18 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: MI

Complaint narrative:
The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : XXXX XXXXXXXX XXXX  Account no. XXXX XXXX : {$3100.00} XXXX XXXX Account no. XXXX XXXX : {$0.00} XXXX Account no. XXXX XXXX : {$3100.00}

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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone has to report this - I was affected by a dark web data breach which I was alerted to with services by XXXX on XX/XX/2024. 
I proceeded with locking my credit at the XXXX Bs. 
Experian - XXXX XXXX with XXXX - No Issues.

Equifax- Went to their website and registered. Went to lock/freeze my credit and they say online they can not proceed - " Please give us a call ' XXXX. I called during normal business hours on Thursday XXXX XXXX XXXX. to discuss why i cant make the claim online and proceed by phone or recieve updates as to why they will not proceed online. 
The phone prompts lead you to choose the freeze option and collects all personal data they need to proceed with speaking with you. 
The phone prompt tells you they can not complete your request at this time and disconnects the phone user with no call back / further way to reach out - I am emailing a complaint hotline I found outside thier website as there are no chat functions or other ways for me to reach out to this department. 
Please assist/ get Equifax to update their phone prompts/ and/or create better practices on the website for users to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XX/XX/2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: LA

Complaint narrative:
I am writing to file a formal complaint against P & B Capital Group. I recently requested a copy of my XXXX credit report and noticed I had a collection account placed by P & B Capital Group , LLC on. I dont have any knowledge of this alleged debt with this company. I have never spoken to any one about this alleged debt nor did I receive any letters in the mail about this alleged debt. This is a violation of my rights under the Fair Debt Collection Practices Act, 15 : USC 1692g Sec 809. I have a right to validate debt this company says I owe them and I do not get a chance to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation