vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for 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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Monday XX/XX/XXXX, I went to the site XXXX  to see if I would be pre-qualified for financing. I was found to be not pre-qualified for XXXX XXXX through their site. On Tuesday XX/XX/XXXX at XXXX XXXX I was contacted via email by sales consultant XXXX XXXX about my online inquiry, to which I responded with inquiring why my credit had been pulled for a full credit application for financing without my consent, and to date I still have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( Midland Credit ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to Midland credit so i called there. The representative at Midland credit agency, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOVG, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today Saturday XX/XX/2022, I checked my credit report for XXXX to find out an account using my social security number has been opened for Capital One 360, and I did not open any new accounts using my social security number with Capital One 360 ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Following a lengthy legal process with Nationstar Mortgage, my loan was transferred to Mr. Cooper, my current loan servicer, beginning XX/XX/XXXX. Since that time, Mr. Cooper has engaged in a wide range of predatory practices in servicing my loan. I am worried that their actions, which deviate from the agreements made in my contract, will result in another long legal battle for my home. 

The most recent incident involves my XXXX mortgage payment. The amount of {$2500.00}, was applied to my online bill account on XX/XX/XXXX. I am enrolled in auto-debit so Mr. Cooper typically automatically takes from my personal checking account. I checked my personal account on XXXX to ensure payment was made and saw the full amount charged to from Nationstar, doing business as Mr. Cooper. Additionally, I called Mr. Cooper on a recorded line on XX/XX/XXXX, where they confirmed that payment was applied to my account and went thought without issue. Understanding this, I fufiled other bill obligations, under the assumption that my mortgage payment was competed for the month of XXXX. 

It was not until I checked in ahead of my XXXX payment on the XXXX that I was informed Mr. Cooper infact did not debit my account, and failed to debit by account at any point within my contractually obligated grace period which is a period of 17 days after the contractual due date. As a result, Mr Cooper billed me for a new amount of {$5000.00} without an itemized explanation of the new charges. This is in addition to the XXXX mortgage bill of {$2500.00} that was separately applied to my account. As it currently stands, I am unpaid for the month of XXXX because of this situation. 

Note : Upon further inspection, I discovered Mr. Cooper assessed a payment reversal on XXXX the same day the bill was applied and my account was debited. I believe it was applied recently and backdated for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These addresses are undeliverable to me by the US postal service and needs to be deleted from my credit file immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On ( XX/XX/XXXX, and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Please delete these accounts. 

Please see my reasons for dispute below : I have disputed this account on ( XX/XX/XXXX, and XX/XX/XXXX ) Section 605B states that if this account is the result of identity theft and have submitted the police report I filed, this account it should not be on my credit report, and I need you to remove it immediately. 
I also believe this is reporting inaccurately, please verify this information is correct. 

Please see my reasons for dispute below : 1. Collection Account : XXXX XXXX Account # XXXX Each credit bureau is reporting different information regarding this account. XXXX is stating the and XXXX is stating the date of last activity is XX/XX/XXXX and Experian is stating the date of last activity is XX/XX/XXXX. Please delete this account from my credit report due to inaccurate information. 

2. Collection Account : XXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct related to this account. If not, please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer report has furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft Due the this issue of fraudulent information on my equifax report I am not unable to utilize the website to freeze my credit report. 

I have been denied a right to free credit report due to the fraudulent information on my credit report I believe are purchases, from XXXX  to present of leased vehicles, vehicle tags in my name and banking account that I do not recognize in my name I have never owned a drivers license in my life I have never owned a vehicle in my life. I am have been considered XXXX / XXXX XXXX  for the past 32 years I am legally XXXX and I am not employed have not been employed for the past 32 years I am considered a XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other XXXX address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my XXXX time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
My dad took out a loan on property that his house and my house are on and he quit making payments and I don't want to lose my house, he walked away from his house, I still reside in my house, The mortgage company won't talk to me because my name is not on the note. I'm trying to figure out what I can do to keep my home, I was going to refinance it all in my spouse and I name but I can't because it is in foreclosure, but if they are not going to talk to me about it how is it possible for me to keep my home. The mortgage company is RushmoreXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
When covid hit and options to be put in a forbearance program became available we accepted and were told that all the payments would just be added on to the back end of the mortgage and we would start making regular payments once the program was over. They allowed us to be in the program for over a year and then when it was over they demanded all that money up front and would not modify the loan or anything. Then they filed for foreclosure. We have hired an attorney to represent us because they lied to us and all the phone calls we made confirming this process were recorded so there is solid proof of their lies. They also failed to send us paperwork on time causing us to mis deadlines etc. Cardinal FINANCIAL is the company that held the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ). 

My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did. 

My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below. 

XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX  Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!! 


*** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Unifin Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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:
1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of National Credit System whose address is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my Transunion and XXXX credit reports.

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