vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: AL

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

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 2024-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Current active student loans with Navient was for school ( XXXX XXXX  ) that was on the XXXX vs. XXXX lawsuit. I am asking for these private loans to be discharged because of the misleading school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2024-04-13 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On most recent billing statement I was credited with a payment but still assessed a late fee.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was charged off on XX/XX/XXXX on experian, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on XXXXon experian every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX.on XXXX to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on experian it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXXon experian it shows date of late payment as XX/XX/XXXX and both XXXX and XXXX it shows no date of last payment.On experian it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX -Account Number XXXX Enclosed is a copy of my most recent credit 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
Dear Sir/Madam I am writing to you regarding an issue I am facing with my BHG Business Credit Card account XXXX My name is XXXX XXXX and I have been a loyal and responsible customer of XXXX XXXX XXXX XXXX  for XXXX XXXX  I am deeply concerned about the recent block placed on my BHG Business Credit Card account. Despite consistently making payments on time, maintaining a flawless record, and demonstrating strong business revenue and income, my account has been inexplicably blocked. This block has severely disrupted my ability to conduct essential business operations and has caused undue stress and inconvenience. 

I have attempted to resolve this matter by reaching out to your customer service team on multiple occasions, but regrettably, I have not received a satisfactory response. Despite my efforts, the issue remains unresolved, and I am left without access to my account. 

I kindly request your immediate attention to this matter and ask for the block to be promptly removed from my BHG Business Credit Card account. I believe that this action is unjustified and does not align with the exemplary history I have maintained with XXXX XXXX XXXX XXXX. 

I urge you to escalate this issue to the appropriate department or individual within your organization who can provide a resolution promptly. It is crucial that this matter is addressed with urgency to minimize any further impact on my business operations. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your cooperation and understanding. 

Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company keeps calling my cellphone at least oncea day, when I pick up the phone it goes straight to a dial tone it doesn'tring and noone on the line. I can't even tell them to stop calling, I also block the number and they keep calling from other numbers. I am on the do not call list and I do not owe this company anything and have never communicated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My monthly escrow payment with Mr. Cooper ( Nationstar Mortgage ) just went up to over {$1000.00} a month. Neither Mr. Cooper or XXXX XXXX notified me of a large increase in my Homeowner 's insurance. Nationstar paid it without notifying me there would be a {$25.00} shortage when they paid it a month in advance of the due date on XX/XX/XXXX. They are using that {$25.00} shortage as the reason they won't cancel my escrow payment. In order to pay that large increase in the escrow payment, I will need to decrease how much I invest in my 401k. I will be XXXX XXXX XXXX in XXXX and do not want to reduce my 401k contribution.at this time in my life. 

My new lower rate homeowners insurance with XXXX wasn't in effect yet, so I hadn't cancelled my policy with XXXX XXXX yet. It became active on XX/XX/XXXX. I am a XXXX XXXX and filed for my Colorado XXXX Property Tax Exemption, so I will have a lower property tax assessment next year. XXXX XXXX XXXX XXXX will be subtracted from my home 's value for my new tax rate effective next year. I paid my new homeowner 's insurance in full and paid the rest of my property tax for XXXX on XX/XX/XXXX. 

I requested that Mr Cooper cancel my escrow payment, so I can put that money in savings and pay my insurance and property tax myself. Nationstar says they won't cancel my escrow payment due to the {$25.00} shortage. As soon as I saw there was a shortage, I deposited {$2000.00} into my escrow account. I would have added money to the escrow earlier to avoid the {$25.00} shortage, but as I said earlier neither Nationstar nor XXXX XXXX notified me of the increase in the property insurance rate prior to Nationstar paying it. I pay extra every month when I pay my mortgage, which goes to additional principal. They should have known there would be a shortage and put it into my escrow instead of additional principal.I have never been late or missed my monthly mortgage payment. 

The outrageous new escrow payment will amount to {$12000.00} a year. The total for the Insurance & Property tax will only be about {$6300.00} next year. My mortgage payment was $ XXXX, XXXX will be $ XXXX. per the escrow assessment based on my cancelled insurance and property tax based on the rate without my XXXX Property Tax Exemption rate. 

Homeowner 's Ins : $ XXXX. 
2024 Property Tax : {$3600.00} - According to the XXXX XXXX Assessor 's Website {$2600.00} + {$3600.00} = $ XXXX Total $ XXXX = XXXX mo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
This account was charged off on XX/XX/XXXX on XXXX, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on transunion.on XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX XXXX to XXXX charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both XXXX and transunion it shows no date of last payment.On XXXX  it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on transunion it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit 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 2024-04-13 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: NY

Complaint narrative:
This account was charged off on XX/XX/XXXX on XXXX, it also states on equifax it was charged off in XX/XX/XXXX, it shows no payment history on XXXX XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX equifax to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on equifax it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both equifax  and XXXX it shows no date of last payment.On XXXX  it shows no balance update and no balance, on equifax it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I received a hard credit check from One Main Financial loan company which I did not apply for on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Disputed charge XXXX 's XXXX XXXX. Credit card allowed the charge after incomplete investigation.

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 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am writing to file a complaint against Rent Recovery Solutions regarding the collections on my credit record. Despite their prompt response to my inquiry, I am highly dissatisfied with the information provided. I believe that Rent Recovery Solutions has violated my rights as a consumer, and I am seeking your assistance in resolving this matter. 

In their response, Rent Recovery Solutions attached copies of documents allegedly provided to them by their client. However, these documents do not include any evidence of a signed agreement between myself and Rent Recovery Solutions [ 1 ]. As a consumer, I have the right to verify the accuracy of the information in my credit report and to dispute any inaccurate information [ 1 ]. Without proper documentation, it is impossible for me to ascertain the validity of the debt they are attempting to collect.

Additionally, I would like to bring to your attention that the address listed on the bill sent by Rent Recovery Solutions does not match my current or previous addresses. I have never resided at the address mentioned in their response [ 2 ]. This raises concerns about the accuracy and legitimacy of the information they are reporting.

According to the Fair Debt Collection Practices Act ( FDCPA ), Rent Recovery Solutions is required to provide me with documentation substantiating the existence of this debt and my agreement with their company [ 4 ]. However, they have failed to do so, which is a violation of consumer rights and the FDCPA.

I kindly request that the CFPB intervene in this matter and ensure that Rent Recovery Solutions provides the necessary evidence to verify the validity of this debt and the accuracy of the information they are reporting on my credit record. It is crucial that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested the following : According to FRCA Section 605B it is illegal to report information on my credit report without my permission, thank you please remove this from my credit report. 

For the following accounts : Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XX/XX/XXXX PORTFOLIO RECOV ASSOC Account XXXX  No investigation as they returned decision promptly within 12 hours from initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Pas due/Monthly Payment There should not be a past due or monthly payment reporting. 
mail.c Account Status : This field should report as closed if the account has been charged-off. 
Account Balance This amount should be reporting XXXX if it has been sold. 
Date of Last Payment/Date of Last Activity The DOLP ( XXXX XXXX ) and DOLA ( XXXX XXXX ) MUST report on ALL charged off accounts. In fact, they must report on ALL accounts reporting on your credit report. 
High Balance This amount should be higher than the " current '' balance that is reporting on all charged offs. If the charged off is a credit card, this field MUST be reporting. Such a thing is mandatory and required.

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 2024-04-13 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: EQUIFAX, INC.
State: IA

Complaint narrative:
These accounts i want deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Equifax wrong name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Law 15 u.s.c 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Capital One ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I am disputing my alleged debt from capital one credit of {$1000.00} from XX/XX/2022. XXXX off closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( Transunion and XXXX ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( Transunion 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed several letters to remove incorrect or illegal information from my credit report. They received the letters but stated they do not think I sent them. Even tough I sent my ID and address verification with the letters. 

I called them to confirm it was me, as they requested in the letter they sent back to me, and they stated they would not be addressing my complaints.

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