vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To whom it may concern. Accounts XXXX  XXXX XXXX XXXX {$1400.00} midland credit management {$630.00} midland credit management {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: KS

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: AZ

Complaint narrative:
Dear Experian To Whom It May Concern : I was in the process of applying for new employment an

d housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account number XXXX XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account number # XXXX Delete this account. 
There is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account number # XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry date XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were opened, which was not done by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

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 2024-08-16 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: NY

Complaint narrative:
I've been wondering, how was this verified when in fact Experian was the only bureau reporting this account. Could you help me verified this? This has been affecting my SCORE since Experian is saying that it was an OPEN LATE PAYMENT ACCOUNT. I know that they are on violation of laws such as : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: OH

Complaint narrative:
Equifax has not did a proper investigation of this company XXXX XXXX XXXX in giving the consumer actual real documents from this company and I contacted the company and XXXX stated she didn't have or could PRODUCE DOCUMENTS, of my ownership and payment history, or first date of delinquency from the original document from the original creditors, this account is incomplete information of payments on my report there is no information on my report from Equifax period please delete immediately, this is reporting incomplete and inaccurate information that hasn't been produced to the consumer according to compliance rules of FCRA OF COMPLETE AND FAIR CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS Prime Investments has continued to report this account on my credit reports. The company continues to hassle me to pay a debt I dont owe. They have supplied me with the paperwork to confirm this ( included in this complaint ). However they continue to report on my credit files and calls and e-mails after I have requested from them to cease and desists all communication.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX they said XXXX should be mailed there is more in there

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 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SECOND COMPLAINT******I was the victim of identity theft by a former roommate, XXXX XXXX XXXX XXXX The account with XXXX  XXXX XXXX XXXX XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX  XXXX XXXX is now reporting that the account is " PAID IN FULL '' TThis is not accurate because I have NEVER paid anything to this tradeline, I HAVE NOT PAID THE ACCOUNT IN FULL. This inaccurate information.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: MD

Complaint narrative:
I made the mistake of attending XXXX with the hopes of obtaining gainful employment. I was lured in with falsified statistics that I would be one of many students who gained employment and could improve my life. Instead, I am saddled with a loan that seems impossible to pay and am now unemployed. Upon learning about XXXX, I was contacted by one of their XXXX XXXX and next thing I know I'm signing documents thinking I'm taking a step towards improving my future. When in reality I set myself so far back financially that I would not be able to make a spare dollar for another 5 years with a market rate job which I am having trouble obtaining. My issue lies with XXXX. I have put in hours upon hours honing my craft and relentlessly applying to jobs, all of which have left me empty handed. The education while informative was an absolute joke. XXXX made false promises in the hopes of luring desperate students to bleed them dry. I saw in the media that XXXX is being forced to forgive XXXX holders due to XXXX 's predatory practices. This is a start, but there are students such as myself who have the same amount if not more in the form of a hefty loan. We are left high and dry. We were in the same predicament as those with the XXXX  and are left with no relief.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has reported three accounts as collections on my credit report. The accounts are XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I have already sent you my FTC and law enforcement reports. You have already removed these original accounts. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that you immediately block and remove these accounts within 4 business days of receipt of this complaint.

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 2024-08-16 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: Synovus Bank
State: AL

Complaint narrative:
I am writing to complaint to XXXXXXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX reported my transaction history between XX/XX/2024, XX/XX/2024, and XX/XX/2024 which is illegal. 15 US Code 1681b states I the consumer must give written consent to add anything to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX reported my transaction history between XX/XX/2024, XX/XX/2024, and XX/XX/2024 which is illegal. 15 US Code 1681b states I the consumer must give written consent to add anything to my consumer 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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Roundpoint Mortgage Servicing LLC regarding their handling of my mortgage loan ( XXXX XXXXXXXX XXXX XXXX  ). I believe that they have engaged in practices that violate several federal and state laws, including the Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt Collection Practices Act ( FDCPA ), and Florida state laws, among others. 

Summary of Issues : 1. Failure to Provide Accurate and Timely Information : Roundpoint Mortgage Servicing LLC has failed to provide me with an accurate and timely reinstatement quote despite multiple requests. This failure has caused significant confusion and stress and may indicate a violation of RESPA Section 6.

2. Misapplication of Payments : Payments I made have not been correctly applied to my account, resulting in incorrect balances, improper fees, and a negative escrow balance. This misapplication of payments is a clear violation of both RESPA and the Truth in Lending Act ( TILA ).

3. Inaccurate Escrow Management : My escrow account has been mishandled, with funds going missing, improper charges being applied, and demands for additional payments without proper justification. Roundpoint Mortgage Servicing LLCs actions appear to violate RESPAs requirements for proper escrow handling.

4. Harassing and Misleading Communication : I have received numerous harassing phone calls, misleading information, and threats of foreclosure from Roundpoint Mortgage Servicing LLC. They have repeatedly refused to provide the necessary information about loan modification and reinstatement, which I believe violates the FDCPA and other relevant laws.

5. Denial of Loan Modification and Refusal to Provide Necessary Information : Roundpoint Mortgage Servicing LLC has consistently denied my requests for loan modification without providing a valid reason or the necessary documentation. This denial may be in violation of the CARES Act, CFPB Mortgage Servicing Rules, and other federal regulations.

6. Inaccurate Credit Reporting and Financial Harm : Due to the mismanagement of my account, I have suffered damage to my credit, resulting in higher interest rates on loans, additional financial burdens, and personal stress. This has directly affected my ability to secure financing for essential needs such as transportation and education. 

Detailed Account : A detailed chronological account of events, including documented evidence such as letters, phone call transcripts, emails, and financial records. This documentation provides a comprehensive overview of the numerous errors and potential legal violations committed by Roundpoint Mortgage Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express reported my transaction history Between XX/XX/year> and XX/XX/year> which is illegal. They also did it without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute several credit inquiries listed on my credit report, which I believe were either unauthorized or incorrect. Please review the following inquiries that appeared on my credit report, and I request their removal as they are adversely affecting my credit profile : XXXX XXXX  Type XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Type : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Type : XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Type : XXXX XXXX XXXX  Date : XX/XX/year> I have reviewed my records and found that I did not authorize these inquiries. According to the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

Please conduct a thorough investigation of these inquiries and remove them from my credit report if they are found to be inaccurate. Enclosed, you will find a copy of my credit report highlighting the disputed inquiries for your reference. 

I kindly request that you update me on the outcome of your investigation. You may contact me at the address or phone number listed above if you require any additional information or documentation to assist in this process. 

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 explanation
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation