vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with XXXX accounts and inquiries I did not authorize

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 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! They sold my mortgage to a debt collection agency, not another mortgage lender even though I have great credit. 

Hoping and praying, 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 2022-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I closed my XXXXXXXX XXXX card back in XXXX of XXXX, and did mistakenly miss an interest payment ( I believe ) from XXXX of XXXX, therefore interest incurred as well as a late fee. Unfortunately their phone lines had been down all through the end of XXXX but I was able to reach one representative who told me she couldn't help me as my account had been closed. She transferred me to another line that was never answered. 

I then tried to call numerous times, but my calls were always answered by what sounded like an answering machine stating that they apologized for the inconvenience, but we needed to make a payment we could do so by making payments online ... which unfortunately I was unable to do because I no longer had access to the online login function being my account had been closed. During this time the pay by phone function was down as well, so I paid the balance in full by mailing a check on XX/XX/XXXX. My check was cashed on XX/XX/XXXX of {$47.00} and the due date wasn't until XX/XX/XXXX, so I knew this should take care of it. However, I received a statement via email yesterday, XX/XX/XXXX account asking me to sign into my account online and pay a {$2.00} charge - interest from XXXX. I'm concerned that this is going to keep happening if I can't catch the {$2.00} fee, which shouldn't be happening as the account has been paid off - officially as of XX/XX/XXXX. When I paid the {$2.00} fee by phone today with a rep ( the system is back up apparently ) she told me the {$2.00} charge was interest ... I didn't dispute the charge but I am concerned. 

I guess I just wanted to start a record of this in case this continues to happen. There shouldn't be interest on a balance that's been paid off well before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY

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 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have XXXX business days to remove the said account XXXX XXXX XXXX XXXX Account 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 2022-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 

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. 

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with XXXX XXXX XXXX They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-26 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: GA

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

15 USC 1681 section 602A 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 an account with out my wriiten instructions

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 2022-07-26 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: GA

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

15 USC 1681 section 602A 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 an account with out my wriiten instructions

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My Mortgage was sold and I received a notice XX/XX/2022 that I should be making payments to Select Portfolio Servicing. I sent them the payment for XX/XX/XXXX, XXXX since XXXX they have been harrasing me for past due payment. I sent them numerous correspondence showing payments but they are insisting that I did not make XXXX payment. I contacted the previous mortgage comany and was told that the loan was sold and I am only responsible for making XXXX payment as my first payment. I also had made XXXXXXXX XXXX payment to the previous company. I have been sent late statements since XXXX and continouly receive late fees posted on my account. To date, I have paid XXXX since the loan was transfered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: FL

Complaint narrative:
Receivables Management Systems ( RMS ) have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, RMS should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my wet signature, showing that I have a legally binding contractual obligation to pay RMS the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, US SM BUS ADMIN ODA, XXXX has violated my rights .

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: NJ

Complaint narrative:
For the second time in 2 months, Square has opened a fraudulent account in my name without my permission. Today I received a Square Business Debit card in my name at my home address that I did not request or apply for. The same thing happened last month. And it happened a 3rd time to my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : 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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : XXXX

Company response to consumer: Closed with non-monetary relief