vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
transunion has removed XXXX XXXX XXXX XXXX XXXX XXXX, i do not see that on my credit that it was removed and i also have been logging into my credit report and it will not allow me to dispute nothing online or see my credit and that is illegal, they sent the same proof for XXXX XXXX XXXX XXXX XXXX XXXX, after i asked them to send me the contract of my signature, a apartment complex can not number one sue you for past due without eviction, this debt is also showing as open, after i said to them numerous times it is not my debt, this debt collector is adding interest on this debt as if i agreed to it and signed a contract with them that i owe this, that is also against my rights, i have asked for proof over and over and now i am demanding removal, u have not proven with the document ive attached that this is my debt, a letter from teh debt collector with my name and debt amount does not prove anything, debt collectors and lawyers will do anything to get money and i am not settling for this debt that is not mines.

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 2024-10-29 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: VA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> at XXXX EST i woke up to my cashapp account signed out of my phone so i signed back in and i got a message stating my cashapp account was closed due to violating terms of service and I had XXXX XXXX remaining in my balance, being that my account was closed I was unable to use my cash app card to withdraw the funds that were remaining in my cash app account, so I transferred the XXXX XXXX from my cash app to an external account which would be my XXXX account and cash app charged me a XXXX XXXX transfer fee so the total amount that was transferred to my XXXX account was XXXX , i immediately went to check my XXXX balance well it just said pending unclaimed transfer so i asked XXXX what that meant and they said that the money was sent to a wrong phone number, email or XXXX account which doesnt make any sense because i put my XXXX card number into cashapp when i withdrew the funds and my XXXX is good to go so i asked XXXX to cancel the transfer in hopes that the funds would go back to my cash app account but there is no money in my cash app account and I have contacted XXXX and XXXXhey have confirmed the transaction has been canceled and the funds were never received. The XXXX XXXX should of been returned to my cash app account but the funds are no where to be found, it's been 24 days today I have contacted XXXX and cash app multiple times and nobody can help me. I have screenshots of proof that I never received the money and that it was canceled. I have contacted the XXXX XXXX XXXX, The financial protection Bureau, the federal trade commission and I have been trying to get my story on social media in hopes that it will go viral and XXXX XXXX ( the owner of Cashapp aka Block ) will get in contact with me and help me recover my funds and compensate me for the mental stress that this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am contacting you to dispute the reporting of two accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/year> Account XXXX : Amount - {$1400.00}, Opened - XX/XX/year> Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report.

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.

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 2024-10-29 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Dear ( XXXX Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to XXXX XXXX ( XXXX U.S.C. XXXX ) that the Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
EXPERIAN : XXXX XXXX XXXX  : XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX SXXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXE ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMERINFO.COM XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX CAPITAL XXXX XXXX XXXX via XXXX - LENDING TREE QUINSTREET XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX INTERACTIVE OPORTUN INCPROGRESO FIN RELIANT ENERGY XXXX XXXX RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Subject : Complaint Against XXXX XXXX  and Roundpoint Mortgage for Failure to Pay Homeowners Insurance Premium from Escrow Account Summary of Complaint : I am submitting this complaint against XXXX XXXX  and Roundpoint Mortgage Servicing Corporation regarding their failure to properly manage my escrow account for payment of my homeowners insurance premium, resulting in the termination of my insurance coverage and subsequent property damage. 

Background and Facts : Mortgage Transfer : My mortgage was originally serviced by XXXX XXXX  until it was transferred/ Sold to XXXX XXXX  in XX/XX/year>. 
Escrow Account Setup : As part of my mortgage agreement, escrow payments were set up to cover my homeowners insurance premium, which was due for renewal in XX/XX/year> with XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and bills were sent by XXXX XXXX to XXXX Bank, but XXXX did not act on these notices.

Roundpoint Mortgage attempted to contact XXXX XXXX to arrange payment, these attempts were unsuccessful, and no payment was made from my escrow account. 
Resulting Impact : Due to nonpayment, my homeowners insurance policy was terminated, leaving my property unprotected. Subsequently, I experienced water and sewage damage that affected my carpets and household items. These damages would have been covered if my insurance policy had remained active. 

Specific Damages : The mishandling of my escrow account has resulted in uncovered property damage, including but not limited to : XXXX damage due to water issues Damage to household items due to sewage backup These damages have resulted in significant personal expenses that should have been avoidable had my insurance coverage been maintained.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors, credit bureaus, as well as the reporting agencies on numerous occasions to request debt validation as well as a signed purchase agreements to show legal verification and full ownership of the accounts. I have yet to be provided with any of that information from either the creditor, credit bureaus or reporting agencies who have also verified the information as accurate/correct. The accounts are XXXX XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX I spoke with XXXX id # XXXX from Transunion and she told me that I would receive a call back within XXXX hrs. I never received that call back. On XX/XX/XXXX I spoke with XXXX from Transunion, who refused to give me her ID # or last name, also told me that I would receive a call back within XXXX hrs. I tried to explain to her that I would prefer another option than the call back because I never received the last one. She then hung up on me.

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 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received a letter from Macy 's stating that if I didn't use my credit card they would lower my credit limit by a specified date due to inactivity. This is clear attempt to force the card holder to patronize Macy 's or incur the negative consequences of having their credit limit reduced.

The letter states " Your account may be closed or have the credit limit reduced for various reasons without prior notice. Please refer to credit card agreements for details ''. While the agreement does allow for the card to be closed for no reason, it does not specifically address changes in credit limit. The only portion of the agreement that could possibly be read to address this issue is : " Changing Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. '' A credit limit is not a " benefit '' bur rather a contractual term of the card. In this case, the credit limit is addressed in another portion of the agreement and that portion does not state that the limit may be reduced for inactivity.

Macy 's is using its credit card as a backdoor means to pressure consumers in an effort to increase business prior to the holiday season during a period when it is experiencing financial difficulty.

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 2024-10-29 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: MO

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 2024-10-29 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: MO

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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:
I recently reviewed my credit report and discovered several unauthorized accounts that do not belong to me. These fraudulent accounts have severely tarnished my financial reputation and have caused significant distress, especially as I am currently in the process of purchasing a home.

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 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I have been actively seeking a workout option with PHH mortgage service, name is pending a change to Onity mortgage.

During customer service calls with agents and follow up calls, at no time when they ask if i can make payments are they reading the script : this is an attempt to collect a debt... I worked in this industry with the last 10 years at XXXX XXXX XXXX mortgage and this disclosure is required to be read by agents attempting to collect payments and or debt ; Additionally, I believe their decision/underwriting process may be in violation of CFPB guidelines ; I've been advised they believe 30 days is acceptable for making decisions for hardship XXXX applications and not providing proper information about unemployment and or forbearance plans to customers ; It seems to me, there is a lack of training and qualified individuals to take phone calls with this company. 

Ive also not been advised properly about the status of credit reporting, late charges or protections from foreclosure proceedings while the company takes its time to review my application for assistance at any time during the past year during hardship or pending workout decision phone calls nor via mail in writing or email. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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