vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I am filing an official complaint against the following business : Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX www.ccspayment.com The reason for the complaint is : continued attempts to collect an alleged debt, and threats to report this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified time period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. 

I have attached the following pages for your review : -Copy of the original debt collection notice received from CCS , on which I indicated my wish to dispute the debt. This was mailed back to CCS via certified mail in the same envelope as my debt verification request letter on XX/XX/XXXX. 
-Copy of the debt verification letter I mailed to CCS via certified mail on XX/XX/XXXX -Copy of certified mail return receipt, proving that CCS received my debt verification letter on XX/XX/XXXX -Copy of my Declarations Page from XXXX insurance company , proving that I have remained in compliance with all applicable laws requiring continuous auto insurance coverage while discontinuing my coverage with XXXX XXXX ( the alleged original creditor in this claim ). This page was uploaded directly to CCS 's website on approximately XX/XX/XXXX. 
-Screenshots of my payment history with XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX for both an auto insurance policy and and umbrella insurance policy with XXXX XXXX, proving that I paid in full the balances of {$2200.00} and {$540.00} for each of those policies respectively for the coverage period specified, which happens to be the last time period for which I agreed to continue coverage with XXXX XXXX for either policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-21 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: 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. 

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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion has taken over the given 30 days required to provide results to delete US DEPARTMENT of Education accounts # XXXX & XXXX  from my Consumer Files. I've been Disputing these inaccurate accounts all year. They claim that they would delete

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 2023-12-21 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: Nelnet, Inc.
State: IN

Complaint narrative:
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and XXXX, they were all in violation of these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
QWR dated XXXX XXXX XXXX  was sent outlining the items requested. Was mailed to the designated address via certified and return receipt was stamped XXXX XXXX XXXX  was ignored. 
Received package yesterday XXXX  for Chase letter dated XX/XX/. The company did not address all my issues, this is an incomplete response. They picked and chose what to address. Specifically the QWR dated XXXX  lists the items on Item 1 ) APPRAISAL was requested - no Automated valuation, Appraisal, Notice of Value or similar was provided. 2 ) COMPLETE LOAN HISTORY including all payments, fees was requested however the Escrow Reconciliation was provided. Collection and customer service notes requested, nothing was provided. QWR indicates my concern on payment application, any late charges and the recapitalization of the arrearage due to forbearance or mod- This was not addressed either and was very important part of the QWR sent to Chase and that is reason for this new CFPB complaint. Enclosing copy of XXXX for reference and additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 2023-12-21 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-21 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: DE

Complaint narrative:
On XXXX XXXX I seen there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. Here are the Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my 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 non-monetary relief
Consumer complaint received 2023-12-21 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: MOHELA
State: IN

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C. 1681 findings and statement of purpose Violation of my rights to privacy in The Privacy Act of 1974 by disclosing my Non-Public Personal Information to Non Affiliated 3rd Parties Without Prejudice, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
I noticed after looking at my credit report that I had a few hard inquiries, that I didnt recognize. I have not given anyone permission or any form of authorization to run my credit report. Could you please remove this from my report. I have no knowledge of any of these accounts. These inquiries involve identity theft and must be removed no later than 4 business as per U.S Code 1681c-2. Please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed after looking at my credit report that I had a few hard inquiries, that I didnt recognize. I have not given anyone permission or any form of authorization to run my credit report. Could you please remove this from my report. I have no knowledge of any of these accounts. These inquiries involve identity theft and must be removed no later than 4 business as per U.S Code 1681c-2. Please and thanks

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 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
In XX/XX/2023 I was facing an eviction that was brought to a stipulation and was voided due to system being down to make payment that month. in XX/XX/2023 we went to court and decided if I pay the remainder of that month that I was living in the apartment it will not go on my credit and the remainder rent that was paid to the Clerk of Court Registry would be disbursed to them once I made the final payment that was paid on XX/XX/2023. I have legal documentation that everything was paid in full but yet they place on my credit the amount that was supposed to be disbursed through the Clerk of Court of XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
On XX/XX/2023 I paid my statement balance in full of {$820.00}, they then stopped sending me statements. Then received an alert on my credit report, I was in default. Commenity bank had rolled {$23.00} in interest charges without sending me statements. Two months of late fees. No messages received from the company. I had no clue these were being charged until it hit my credit report. Commenity bank refuses to take ownership, spoke with XXXX on the supervisor level and they still refused to fix the mistake. Told me she can not even verify if they tried to contact me via email they have no record. Clearly a UDAAP violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: GA

Complaint narrative:
This is XXXX XXXX XXXX please 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 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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I wrote to Nationstar ( dba Mr. Cooper ) asking to have the PMI removed from our mortgage as we easily exceeded the home equity threshold for doing so. 

On XX/XX/XXXX I received an acknowledgment of the request and that someone would respond within 5-7 days. 

On XX/XX/XXXX I submitted a follow-up and said I'd still not heard from them. 

On XX/XX/XXXX I submitted a third message saying I'd still not heard from them, and they responded by saying that " We've received your request to remove PMI on XXXX XXXX, XX/XX/XXXXand will respond in 5-7 business days ''. This is obviously untrue, as the request was made nearly two months ago I didn't choose Nationstar/Mr Cooper as my mortgage servicer, and their performance here indicates they're in no hurry to actually provide service to their captive clients. Can someone please compel them to do what they should have done nearly a month ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information FOX Collection Center has illegally reported my information to unaffiliated 3rd parties ( XXXX and XXXX ) without proper proof, my consent or giving me XXXX disclosures required by law. 
Pursuant 15 USC 6802 states that theyre required by law to give me 3 disclosures. I have checked for all documents from their institution and received none. The documents Ive seen which were mine, none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Dates open on my consumer : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I mailed a certified letter requesting disclosures and tried to dispute online requesting validation of debt which requires signatures and documents but was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-12-21 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: IN

Complaint narrative:
According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your student loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my student loan records nor did I give consent for XXXX to contact me regarding any finances or my student records. They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.

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 2023-12-21 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: IN

Complaint narrative:
According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your XXXX  loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my XXXX loan records nor did I give consent for XXXX to contact me regarding any finances or my XXXX XXXX. They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IN

Complaint narrative:
According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your XXXX  loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my XXXX  loan records nor did I give consent for XXXX to contact me regarding any finances or my XXXX XXXX They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.

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