vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
This complaint is for EXPERIAN, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: OK

Complaint narrative:
On or around XX/XX/2023 I was approved for a USDA mortgage loan of {$100000.00} by XXXX XXXX with New American Funding. 
The interest rate would be 7.125 %, the down payment would be {$1100.00}, the seller would pay {$6000.00} in closing and a {$520.00} appraisal fee was paid to the appraisal company of their choosing by myself, on XX/XX/2023. 

Fast forward to XX/XX/XXXX, 8 days before my scheduled closing date of XX/XX/2023, I was told the underwriter would not approve the loan due to my debt to income ratio. 

Therefore, they flipped the loan over to an FHA loan with 5 % interest. 
I was told the down payment for that loan would be {$5000.00}. The loan officer advised me to apply for credit cards and to take out a cash advance up to {$5000.00}. When that option did not fit my plan, she asked me to have my father sign a gift letter since he was going to give me the {$5000.00}, on XX/XX/2023. 
She also upped the loan to {$100000.00}, based on her " ideas ''. When the seller is selling the home to me for {$97000.00}. 
On XX/XX/2023 she informed me that I needed to pay the homeowners insurance, in the amount of {$2100.00}, for the year. She stated the receipt would need to be brought to closing with me. However, the current owner still has insurance on the home. 

When the final XXXX came to me on Friday, XX/XX/2023, the loan amount was {$99000.00}, the sale price was {$100000.00} and the loan amount on the originated document was {$100000.00}, the interest rate was 7.125 %. The monthly payment was the only number lower than any of the originally numbers provided. The closing cost was {$11000.00} and the cash to close was {$7600.00}. 

These numbers consistently changed throughout the entire process. Since nothing made sense and the questions I asked were not answered, on Monday, XX/XX/2023, I sent an email and explained to the loan officer that I would not be moving forward with the loan and requested that a copy of the appraisal be sent to me. 


On XX/XX/2023 the loan officer XXXX XXXX with New American Funding called me and asked me if I was going to close on a home with {$30000.00} in equity. I kindly declined the option to move forward and asked her again to send me a copy of the appraisal. She stated she would mark my application as denied and send me a copy of the appraisal. 

On XX/XX/2023 I sent an email to XXXX XXXX, XXXX XXXX, and XXXX XXXX requesting a copy of the appraisal, again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
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. XXXX XXXX : # XXXX, ( XXXX ) XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, and XXXX # 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
I hope this message finds you well. I recently noticed that my mortgage payment has increased by {$210.00}. However, when I reviewed the escrow analysis, it showed a shortage of XXXX, which seems odd since I have been making all my monthly payments on time. 

Additionally, I wanted to mention that I am currently unable to afford the new payment. I'm feeling overwhelmed and it seems like no one is providing the necessary help. 

I kindly request a detailed breakdown of the extra charges and a clear explanation of where they are coming from. It's important for me to have accurate information to understand this discrepancy. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that provides clarity. 

Sincerely, 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I sent a dispute letter because there was an account reinserted to my profile with no notice. This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX account XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this account is reporting the incorrect open date which is a violation of the FCRA. This is inaccurately and misleading information reporting and must be deleted from my profile

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
This constitutes a breach under 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. Their failure to furnish me with a written notice about the account prior to its reporting constitutes a violation. Consequently, I insist on the removal of the account from my credit report, as I contest the debt they assert I owe. 

Moreover, they have infringed upon my rights stipulated in 15 U.S. Code 1681b ( 2 ), governing permissible purposes of consumer reports. This breach occurred through the unauthorized reporting of the account and the improper usage of my social security information. In light of my identity theft victimization, 15 US Code 1681c-2 necessitates the blocking of such data without my explicit written consent. 

Per the guidelines of 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. Regrettably, this right has been violated by their public dissemination of my information, an action for which I never granted your organization authorization. 

I demand the immediate deletion of this account from my 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: IN

Complaint narrative:
Self states that under the Fcra they are not considered a consumer reporting agency but a data furnished. How is that when they provided a loan? They also stated that the data sharing policy can be viewed on their website but their is no mention of anything being mailed or signed stating that I agreed to any reporting. I have not received any documentation of the reporting and per my last complaint, I clearly asking to opt out of all services with them include any data sharing or consumer reporting as that is my right per all USC laws written in my complaint below. The FCRA does not trump the CFR and USC laws backed by our presidents. This account is to be removed immediately before legal action is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, XXXXXXXX XXXX charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called XXXXXXXX XXXX  3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe XXXXXXXX XXXX has the audacity to ruin my credit over {$3.00} that I was unaware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been trying to get through to an " account specialist '' through a representative at Capital One since XX/XX/XXXX to try to get a 10-day payoff letter. I called on XXXX at XXXX and was on the call for XXXX minutes to be told that an account specialist to write this letter was not available and to call back later. I called again on XX/XX/XXXX at XXXX and was on the call for XXXX minutes and was told the same thing, that an account specialist was not available and to try to call back in " XXXX days '' " due to the high volume of calls ''. I was told that the representatives had no way to send a message to this staff to either call me back or to create a letter once I got off the call. I called again today, XX/XX/XXXX at XXXX and was on the call for XXXX minutes and finally was able to get an account specialist to create a 10-day payoff letter. During this call, the amount for payoff was quoted higher than it was when I called on XX/XX/XXXX and I asked that the amount be lowered to what the payoff quote was when I first tried to get through on XXXX. I explained that it was not my fault that their account specialist wasn't available the first two times I called, and that I shouldn't be charged the fees/interest for that timeframe ; the representative indicated that there was nothing that they could do and that the increased charges would stand. 

I do not normally file complaints with higher agencies, but Capital One has been non-cooperative through this whole process. I am also hearing this issue ( not being able to reach an account specialist for a 10-day payoff letter ) is occurring to others via word of mouth. I can not help but wonder if Capital One is intentionally doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
EXPERIAN ALLOWED THIS COMPANY, XXXX XXXX TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my Experian Credit Report on XX/XX/XXXX. It has come to my attention that XXXX XXXX XXXX has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX. 

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that XXXX XXXX XXXX compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, 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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kopp Collection Service, Inc.
State: CA

Complaint narrative:
Kopp Collection Service , Inc . 
XXXX XXXX  XXXX XXXX, NY XXXX USA The collection agent used the profane term " XXXX '' in regard to my questions about the validity of the debt. I informed her that using the term is a violation of The Fair Debt Collection Practices Act. She responded by affirming she had used profane language, then hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Century Finance, Inc.
State: NC

Complaint narrative:
This complaint is for CENTURY FINANCE, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023 I began sending letters to you and to XXXX XXXX informing you all that there was an account on my profile that I needed to have validated and was also reporting inaccurately on my report. There was a creditor remark added to my profile stating " Account information disputed by consumer, meets FCRA requirements ''. How is this possible if the account is still reporting incorrectly? This is misleading and goes against my rights as a consumer. I reported that this account was also reporting an " Open account '' status, yet no changes have been made on my account. Also, after many attempts at having this resolved, the dispute status remains " Account not disputed ''. There are several errors on this account that you are reporting on my profile and I am requesting that this be deleted due to the inaccuracies.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on. 
I myself did not given anyone consent

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.

Company response to consumer: Closed with explanation