vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: LA

Complaint narrative:
For the month of XXXX I paid online, but the amount was to be debited on XX/XX/XXXX, I included my late fee but it was still before the deadline of XXXX. The amount of the mortgage cleared from my bank account on XXXX XXXX XXXX. But the mortgage company is showing that I owe two months

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This is my eighth notice to LexisNexis regarding the incorrect addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER lived at these addresses and I have NEVER been associated with these addresses. I have notified LexisNexis several times, prior to this communication, that I am a victim of a mixed file at XXXX. Additionally, I have notified LexisNexis that I am a victim of identity theft. LexisNexis is reporting incorrect information that does NOT belong to me. I insist that LexisNexis correct its records as follows : The following addresses are CORRECT. I HAVE resided at and am associated with the following addresses 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 The following addresses are INCORRECT. I have NEVER resided at or been associated with the following addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, LexisNexis has previously reinvestigated the incorrect addresses and determined them to be UNVERIFIABLE. Since the incorrect addresses have been previously investigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that the incorrect addresses be promptly and permanently removed from my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Closed on a VA loan XX/XX/XXXX. Have had issues with the USPS delivering my mail, and today upon obtaining my mail, is a letter of cancelled coverage from the insurance provider from a home builder, who setup a policy and used an outside title company. Title company just never used the escrow to pay the premium, and my coverage cancelled XX/XX/XXXX. I discovered this on XX/XX/XXXX. 

XXXX : XXXX XXXX ( based in XXXX, CA ) Lender : XXXX  Title Company : XXXX XXXX XXXX ( in XXXX, CA ) My Address : XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have come across a credit inquiry on my report that I do not recognize, and it appears to have been conducted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I sent Truist Financial Corp a payment for the minimum amount due on my balance through mail, in the form of a dividend check ; which they received XX/XX/XXXX. XX/XX/XXXX, they sent me a letter stating that I owe the entire balance of the account. On XX/XX/XXXX, I sent a debt validation letter requesting their W-9, and also DEMANDED that they return my instrument, the dividend check, or else proper authorities will partake in the matter. Their response was simply sending me a copy of every statement I supposedly have since I first started with them ; they DID NOT return my instrument as I requested in my letter. That's where I am at with this predicament.

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 2023-10-01 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: NC

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. State i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2, it also state a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-01 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: OK

Complaint narrative:
XXXX  XXXX bankruptcy discharged reference number XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-01 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: NY

Complaint narrative:
I have pdf all papers from every negative account on my credit report neither XXXX, XXXX, and Equifax has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these 3 major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: NY

Complaint narrative:
I have pdf all papers from every negative account on my credit report neither XXXX, Experian, and XXXX has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these XXXX major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!

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 2023-10-01 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: NC

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. State i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2, it also state a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-01 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: NC

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. State i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2, it also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late closed were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I open a new phone with XXXX  in XXXX I had health issues and I actually attempted to make payments this collection agency is not the original collection this has been already on my credit report for years like seven years now they are attempting to collect from me again not going to happen. They dont have a right to place it on my credit report twice it was originally on my credit report in XXXX  by a different company for seven years just because this third rate collection agency bought the debt doesnt make it possible for them to place it again on my account this is unfair debt practices furthermore they will never get a cent from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
On or around XX/XX/ Security Credit Service post my account with the credit bureau without my permission. 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. This is against the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Credit Service did not have my permission to disclose any of my personal information without my written instructions. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 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 2023-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I currently have a loan with a company called NEWrez. The loan is over 2 years old. 
I have requested to have my PMI cancelled since the current value of my house puts the LTV below the required 80 %. I have requested to get the company to indicate what process I should follow, I have attempted to do so for the past 6 months. My most recent request was on XXXX 
1 ) They are sending formatted letters saying someone will contact me 2 ) No one is contacting me and they are not able to help when I call customer service number.

3 ) I am currently paying close to {$400.00} per month on this PMI and I have perfect payment records.

4 ) This company is making it extremely challenging to get answers and get the PMI cancelled to the point that I feel completely taken advantages of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Paid settlement for {$270.00} on XXXX in exchange for account deleted of my XXXX XXXX XXXX XXXX credit report. It is Midland Credit Management policy to delete account off the Credit Reporting Agencies and account has been settled. 

Account is still in my XXXX, XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: FL

Complaint narrative:
Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me sick to my stomach that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX XXXX  and said I can call the XXXX and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency XXXX and informed them of the issue they placed a Fraud Alert on my credit report on XXXX I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Last year XX/XX/ occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me XXXX XXXX XXXX  XXXX that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX video and said I can call the XXXX  and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency XXXX and informed them of the issue they placed a Fraud Alert on my credit report on XXXX I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

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 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
This is a medical debt which goes against The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. 


Also, this is not my debt. This debt is a result of identity theft. This debt should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
In XXXX XXXX let me know that someone had a hard credit inquiry at XXXXXXXX XXXX I immediately contacted XXXX back to let them know that this was fraudulent. They assured me the account was closed and documented as fraudulent. I then put a credit freeze on my information with all 3 major creditors. 

Today I received a notice from a Debt collector that states I owe {$2000.00} dollars to XXXX XXXX It does not disclose what this is for. 

I want to have a record that clearly shows this is not my debt. My credit score is currently XXXX and does not have any red marks/flags. I'm unsure why I received this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation