vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : Transunion : XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX I disputed this information with XXXX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.

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 2024-09-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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. EXPERIAN : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX I disputed this information with XXXX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I am seeking credits from Citi for improperly calculated interest bearing balances and respective interest charged from XXXX - date XXXX. Payments are to be applied to the highest interest balance first. 

I have a substantial XXXX interest balance transfer, which comes due on XX/XX/XXXX. I have made regular monthly payments of not less than {$300.00}, and have supplemented with higher payments before the statement closing dates when interest bearing charges were made. 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00} ; No interest bearing charges, no interest charged ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$54.00} paid in full. Payment difference of {$240.00} should have been applied to XXXX interest balance. {$0.00} interest was incorrectly calculated and charged on {$44.00} ( see statement pages ). 

XXXX - {$800.00} payments composed of {$500.00} on XXXX and {$300.00} on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$570.00} + {$99.00} annual fee charged, totaling {$670.00}, paid in full. Payment difference of {$120.00} should have been applied to XXXX interest balance. {$9.00} interest was incorrectly calculated and charged on {$450.00} ( see statement pages ). 

XXXX - {$1300.00} payments composed of {$300.00} on XXXX and {$1000.00} on XX/XX/XXXX ; minimum required payment {$130.00}. Interest bearing charges of {$1400.00}, leaving an interest bearing balance of {$150.00}. {$30.00} interest was incorrectly calculated and charged on {$1200.00} ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$140.00}. Interest bearing charges of {$390.00}, leaving an interest bearing balance of {$94.00} + {$150.00}, the remaining interest bearing balance from the prior month. {$39.00} interest, composed of {$0.00} and {$39.00}, was incorrectly, respectively, calculated and charged on {$1.00} and {$1800.00} ( see statement pages ).

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 monetary relief
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party XXXX needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful. 
All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( XXXX ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( XXXX ) and 15 U.S.C 1681 ( c ) ( XXXX, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ). 
All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A

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 2024-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I purchased my home back in XX/XX/XXXX for the price of {$500000.00} with a down payment of XXXX XXXX, with {$420000.00} being financed through Guaranteed Rate Affinity as a Conventional Loan. Around a year later my loan was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX with Shellpoint Mortgage being the servicer. As of date XX/XX/XXXX my loan balance is {$380000.00} with an XXXX of XXXX XXXX based on the purchase price of my property of {$500000.00}, which has increased in value as well. I reached out to Shellpoint Mortgage servicing on XX/XX/XXXX to remove my PMI since my loan balance have reached 78 % original value according to XXXX. Shellpoint denied my PMI cancellation with the following requirements which does not apply to me : Your principal balance has not reached the minimum loan to value threshold for cancellation Your loan is not current Payments have been XXXX or more days past due within the last XXXX years or XXXX or more days past due within XXXX year There are subordinate liens on the property You have not met the state or investor requirements I have met the XXXX requirements, I have not missed any payments or past due payments, and there are no liens on my property. I am demanding for my PMI to be removed as they are stating that it will be there for the life of the loan which is incorrect, as my previous lender Guaranteed Rate Affinity confirmed that it should be removed automatically at 78 % XXXX as a Conventional Loan. Additional documents will be provided upon request to prove that my statements are true and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Received a bill in the mail that stated as of XXXX XXXX that I owed {$390.00}. 
Constant harassing calls without proof of bill. I would like to be proved whose name the debt is in, the amount, who is the creditor and what the debt is registered for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MD

Complaint narrative:
My complaint is to dispute the presence of several fraudulent accounts, different variations of my name and inquiries on my credit report that remain unresolved, despite my submission of an identity theft report as per the requirements of FCRA Section 605B ( 15 USC 1681c-2 ). I have previously provided TransUnion with a valid FTC Identity Theft Report, as required by law, yet these fraudulent items continue to appear on my credit file, severely damaging my creditworthiness and causing personal and financial harm.

Under FCRA Section 605B, upon receiving an identity theft report, TransUnion is obligated to block the reporting of fraudulent information, including accounts or inquiries that resulted from identity theft, from my credit file within four business days. Failure to do so constitutes a violation of my rights under this section. Despite my compliance in providing all necessary documentation, the following accounts have not been removed : 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  These accounts and inquiries are the direct result of identity theft, and TransUnions failure to block them constitutes a violation of FCRA regulations. By law, TransUnion must also notify the furnishers of this fraudulent information and ensure that these entities cease reporting the disputed information. 

Given the legal requirements of FCRA Section 605B, I demand the immediate removal of these fraudulent items from my credit report within the next 4 days. Additionally, please provide written confirmation that these items have been permanently deleted from my file. Failure to comply with these requirements may lead to further legal action to enforce my rights under the FCRA. 

I have attached a PDF that includes all necessary information, with the fraudulent accounts and inquiries highlighted for your reference. 

This complaint details the specific legal obligations under FCRA Section 605B ( 15 USC 1681c-2 ) and explains how TransUnion has failed to comply with these rules. It includes the request for immediate action and the potential consequences of non-compliance.

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 2024-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I made a mortgage payment as requested PHH mortgage company. I was sent to a XXXX store, directed to the return department, sent XXXX barcodes and my debit card was debited XXXX dollars. I have the dated, timed, transaction and confirmation numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was not eligible Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was eligible for forbearance, they put me on a plan where I was paying XXXX percent interest, and the interest was still going racking up really high. Now, the interest rate is up to XXXX XXXX. They call me constantly even when Ive paid my bill. Im unable to focus at work at the XXXX XXXX XXXX XXXX XXXX They call me email me write me its constant even when I have paid my bill they refused to reduce the interest rate, they forced me to sign up for electronic statements. I couldnt view my account and then they deducted thousands of dollars out of my account and one sweep because they said they had permission from the automatic payments and my program had ended and if my program had ended why had they not ended their access to my account, this is criminal. They need to be charged for that. They did not let me know. This is what they were going to do because they forced me to sign up for electronic statements or else I couldnt go to the next screen. I can never get into my account. Im always working late at XXXX XXXX and unable to call and talk to them, they are constantly harassing me and I am tired of it. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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 causes to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. 

The rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. 

After contacting XXXX to dispute these collections and provide documentation supporting my claim, I received a response stating, " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as XXXX did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation.

I also attempted to dispute the two collections on my credit report with TransUnion. However, I encountered a significant limitation : TransUnion only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. 

I request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially.

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The letter was written and mailed on XX/XX/XXXX. I asked for verification of a copy of the original signed agreement or contract showing that I am indeed responsible for this debt. I also asked for a detailed account history by providing a full history of the debt. Including the original amount, payments made, and how the current balance was calculated. I asked for the name and contact information of the original creditor, including any information that links the debt to me. Last I said if you can not provide the requested information, I ask that you cease collection efforts and remove this account from my credit report immediately. Please send all correspondence and documentation regarding this matter to the address listed above within the legally required XXXX period. I have not received any correspondence and the date today is XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-09-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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  EQUIFAX : 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 I disputed this information with EQUIFAX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief