vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems has been reporting an alleged debt on my credit report. I have not received any correspondence from this company of any verification or validation of this alleged debt. Southwest is in violation of my consumer rights by not providing verification and validation of the alleged debt in addition to not having a written consent from me pursuant to federal law to report any of this information to my consumer report. Southwest is attempting to collect an alleged debt that they have no first hand knowledge of and are just XXXX party debt collectors. No type of verification or validation was completed to verify if this is indeed a true debt owed by me. Having this report on my credit is a fraudulent, deceiving, misleading and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Resurgent capital services has been harassing me by email, and phone for three years now and even after telling me on the phone and looking up account numbers rhat my debt is in fact paid off, it was transferred to another company that they were not aware of and they are putting that blame on me by continuing to call and email relentlessly saying i owe them {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX

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 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have had a mortgage with this Mr.Cooper mortgage company. In the many years that I have had a mortgage company, I have always had home insurance as part of Mr. Cooper 's guidelines. As a former insurance agent, I would never, ever go WITHOUT HOMEOWNERS INSURANCE, in fact, I always pay my mortgage insurance for 1 year. If anyone in California knows homeowners insurance insurance, it's been going up and up making it so unaffordable, some companies are not insuring homes in California. I had homeowners insurance with a large company, XXXX paying {$1200.00} a year, and auto insurance with XXXX. When I found out XXXX did home and auto insurance I thought get a home and auto discount with XXXX and save some money. 
So, I started my XXXX homeowners policy and canceled my homeowner 's policy with XXXX. I was saving {$400.00} with XXXX, a home and auto discount. Great but my mortgage company Mr. Cooper said, XXXX is a " B '' rated homeowners insurance company. When I purchased my homeowner 's policy with XXXX, I did not know they were rated with a " B '' rating. So, I received a great homeowners policy with XXXX. I lost my home and auto discount and received a better company with XXXX. So, I've always had homeowners insurance, Mr. Cooper says due to it being a " B '' rated company, you were NOT INSURED! So, I gave them all the proof they needed, showed them I've always had insurance, never went without insurance, I've never missed a payment, Mr.Cooper FORCE PLACED homeowners insurance for 1 month, and after I had shown proof of insurance, they still made me pay an extra $ XXXX.I was never advised that I could not get a " B '' rated homeowners policy. To this day, thank God I have never had a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Notice To Sue XX/XX/XXXX Subjet : Final Request To Remove Or Delete disputed accounts and Resolution Dear Equifax Credit Bureau, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response as usual from Equifax Credit Bureau. 
XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter marks another attempt in a series of communications aimed at resolving this issue. The lack of a thorough investigation in this matter by Equifax Credit Bureau is not only frustrating, but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously considering the involvement of my consumer rights attorney to assess potential violation of my rights. This is a final appeal for Equifax Credit Bureau to correct or remove the inaccurate information on my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues, including filing complaints with the Justice Department, Office of the Comptroller of currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX as well as my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX The resolution of this matter now rest with Equifax Credit Bureau to take appropriate and immediate action. I have sent all the proper documentation into Equifax Credit Bureau as they requested to get these disputed accounts removed from my credit report and they still did not correct my credit report. I hope to receive a response within 15 days of Equifax Credit Bureau receive this letter. My attorney is watching closely for a resolution in this matter. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GREENSKY OPERATIONS, LLC
State: OH

Complaint narrative:
I worked with XXXX XXXX  via XXXX XXXX to do our living room & laundry room XXXX XXXX XXXX floors. The quote was provided for a Tile removal and vinyl plank installation but on the day of the job they backed saying they cant remove the tile as it will cause door gaps & they made us to agree for a floor installation on top of tiles. We were cool with it as we will be avoiding a lot of money in labor costs & time. The gentle men finished the job & mentioned the revised bill will be sent to us later. When we received the bill we were surprised to see that only XXXX was refunded from the XXXX plus labor charges quoted. We were charged for labor charged of skim coat which was not at all installed on our floor & was treated pretty badly by the flooring company for several days. We had to actually send them videos of the indoor camera that we use to monitor our newborn baby to confirm that they didnot apply any XXXX XXXX & still was not acknowledged until I had to be on calls with the loan company & chase the flooring company for a month to get a refund. Having a new born & to be put through such a bad treatment & miss treatment is absolutely not right. I want to register this compliant to highlight ethical practices & wrong treatment by the Flooring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
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.

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 XXXX 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 2024-03-08 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: 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 XXXX XXXX XXXX. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listed as being XXXX XXXX late on my XXXX XXXX XXXX for however after requesting my statements be XXXX to my the branch XXXX because XXXX bank has REFUSED to XXXX my statements to me and has instead keep me on XXXX statements despite me telling them XXXX times I do not have access to XXXX statements. This is a violation of the XXXX act and due to this XXXX reporting I will be filing a XXXX against XXXX Bank. However at present I am providing proof that my account can not be XXXX XXXX late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement XXXX DIRECTLY from the branch XXXX. Showing both XXXX and XXXX paid on time. This XXXX reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me XXXX and XXXX and I will be seeking XXXX action against all parties not just XXXX Bank if it is not corrected expeditiously. 

I have attached a copy of my XXXX for XXXX verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit 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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BOA charges its Customers with Accounts that have less than {$20000.00} in them a 3 percent transaction fee on every foreign transaction used with the debit card. They have charged me thousands of dollars in fees for the use of my own money-purely because my bank account balance isnt higher and it would be higher, if they werent stealing my money for bogus fees. This policy of punishing the poorest customers with additional fees, while rewarding the wealthiest customers with no fees is XXXX 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 monetary relief
Consumer complaint received 2024-03-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has failed to validate my debt request. I sent a second request to this company XX/XX/XXXX ( attached with date and time stamp ). The company not only failed to provide the requested documentation, but they are trying to collect a debt that is past the statute of limitations in. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XX/XX/XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates ( which you have already done so ) after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I expect the following account to be deleted from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm trying to refi or access my equity and I'm being denied because the credit bureau has XXXX installment loans I have for a sewer pipe listed under mortgage or real estate loans. They company says they do not have liens on my mortgage yet that's how it looks. It also looks like my mortgage was late but I have never been late on my Mortgage. I was late on installment loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the credit bureaus and specifically this error is affecting my chances. Please help.

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 2024-03-08 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: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
This debt was paid in full by the pandemic bill during mandatory lockdown. All appropriate paperwork was filed with the main office but they are still allowing a collections team to ruin my credit score by trying to collect a debt I don't owe them. NO HOTEL ON EARTH would allow an individual to accumulate such a high bill and not evict said tenant well before it reaches the balance they say I owe. It's common sense.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
XX/XX/2023, I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation