vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX  [ File # XXXX ] DELETED XXXX XXXX {$280.00} collection [ XXXX XXXX XXXX ] from my credit report. 

XX/XX/XXXX @ XXXX, I called XXXX XXXX Customer Service to request they update records with all XXXX major credit bureaus and delete collection account. XXXX XXXX responded on XX/XX/XXXX with fraudulent, deceptive practices by creating and reporting a new collection account reflected on my XX/XX/XXXX credit report as : Date Updated XX/XX/XXXX Remarks >PLACED FOR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX COLLECTION AGENCY Past Due >Collection< High Balance {$280.00} Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Estimated item will be removed XXXX/XXXX XXXX XXXX XXXX should reflect current, accurate account information. Since XXXX, XXXX XXXX 's unfair, deceptive and abusive practices have : i. ) adversely impacted my credit report, ii. ) severlely impaired my ability to obtain funding, iii. ) declined my XXXX XXXX XXXX points, XXXX. ) resulted in higher credit rates, v. ) caused reputational harm to my livelihood as a licensed financial professional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Rozlin Financial Group, Inc.
State: VA

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( XXXX ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against XXXX this account from my consumer report asap.

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 2024-11-26 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-26 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: CA

Complaint narrative:
Discover Financial has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position. 

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, Discover continued to call me daily during work hours and send frequent emails, disrupting my ability to work. 

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Discover Financial has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position. 

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, Discover continued to call me daily during work hours and send frequent emails, disrupting my ability to work. 

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
XXXX XXXX  has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position.

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, XXXX  continued to call me daily during work hours and send frequent emails, disrupting my ability to work.

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.

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 2024-11-26 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: CA

Complaint narrative:
Based on the information vou provided, our records indicate my personal information was impacted by this incident EQUIFAX XXXX BREACH please remove on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,

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 2024-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America XXXX Visa. In XXXX of XXXX, I decided to accept BoA promotional offer of 0 % interest for a cash advance in the amount of XXXX. The 0 % promo rate ends on XX/XX/XXXX. 

My credit limit is XXXX, and I have about XXXX in credit remaining, so I decided to use the card for monthly utilities ( {$200.00} ), that I would pay off that balance each month in order to avoid interest charges ( like I do on all my credit cards ). 

I paid that month 's minimum payment on the promo balance of XXXX and an additional {$200.00} to cover the new non-promo charges in full. However, BoA still charged me {$4.00} interest charge ( that's 23.74 % interest ). 

When I called to see if I could apply the payment to the new charges or get a refund BoA said no, not until I pay the promo balance in full. Payments can only be applied to the promo balance first, then to new charges. So now I am stuck with the new charges at 23.74 % until I pay the promo balance in XX/XX/XXXX. And I can no longer use the card until XX/XX/XXXX unless I want to pay 23.74 % interest on it! 

This is predatory and misleading! It's designed to bilk interest out of customers even though they are using a 0 % interest promo! BoA needs to offer the payment options that allow monthly payment to be split so that minimum required can go to the promo balance, and the rest of the payment to the new charges, to avoid interest charges!

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 2024-11-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Newrez Mortage XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX As of XX/XX/XXXXXXXX  I have sent NEWREZ Mortgage information in regards to my flood insurance check. 
They have been holding my insurance check since then. I have given what I can. I do not have a contractors proposal and I have bills to pay from this. They can not continue to hold my check. 

They are saying they will hold my check and do inspections when certain work is done, which they will charge me an inspection fee and then if they feel its good will release payment. 
According to them anything under XXXX, the check will be signed an sent back to me. but they kept a XXXX check even with a letter stating NOT to apply to my loan and send back to me. They did NOT do this. They applied it to my mortgage over several months making addition payments with interest even though the payment had already been made for the month! This was complete fraud! Even when I asked for funds back they held some back for themselves and I never got full payment. I have docs to show this. 
This company is very bad and I don't trust them for any thing. I have paid around XXXX for repairs and a furnace to be put in so the rest of my house doesn't freeze. They can not continue to hold my check. My claim is not with them and their insurance company. They bought this and they have no paperwork stating that I need to follow their fraud ways to get my house fixed up. 


This is notice as of XX/XX/XXXXXXXX  that you Newrez LLC need to endorse the check from XXXX XXXX from the flood damage and send it back to me. You can not be trusted with money that is NOT yours. Last time I had a small claim of XXXX, I provided a detailed note to endorses the check and send back to me. My PERSONAL bank told me to be aware that you would apply the check to my loan. I told you in the letter NOT to do this. Come of find out you did! 
I have never been late or delinquent on my mortgage so there is no reason for you to hold the money. 

With you track record I do not trust you. 
Here is evidence of this : Newrez - XXXX XXXX, PA Newrez XXXX XXXX XXXX, PA Established in XXXX. Founded in XXXX, and licensed in XXXX states, the company and its reputation have grown rapi... 




XXXX - Dive into anything XXXX - Dive into anything Newrez Reviews : 3,530 User Ratings Newrez Reviews : 3,530 User Ratings Newrez reviews, contact info, rates & FAQ. Get the full story from fellow consumers ' unbiased Newrez reviews. 




Newrez LLC | Complaints | XXXX XXXX XXXX XXXXXXXX Newrez LLC | Complaints | XXXX XXXX XXXX  XXXX XXXX customer complaints of Newrez LLC, XXXX helps resolve disputes with the services or products a business prov... 



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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