vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( XXXX ) Exclusions. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete. 

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( XXXX ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/XXXX  ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have a mortgage that I originated and closed with XXXX XXXX XXXX XXXX 

It was sold to Roundpoint Mortgage Servicing. Loan XXXX XXXX I have been sent mulitple threatening letters regarding force placed insurance. 

Last year they threatened to force place Windstorm coverage. I was not required to have Windstorm coverage with my original mortgage with XXXX. It is my understanding that the new servicing company Roundpoint can not force coverage that was not in place at original time of closing. Please demand that they stop threatening to force place coverage. 

I just rc 'd a letter dated XX/XX/XXXX stating they are going to charge me for lender placed flood insurance to up my coverage on the building from current XXXX XXXX XXXX XXXX XXXX. My coverage is more than was required by " National Flood Insurance Act ''. The premium that they want to charge is an additional {$340.00} annually. The current premium I have for my current policy for XXXX in building coverage is {$810.00} for the year. 
I think they are out of line and also price gouging by charging XXXX for XXXX in additional coverage. 

The letter they sent me states that the current flood insurance policy was cancelled, expired or unacceptable as of XX/XX/XXXX. My coverage was paid for by XXXX XXXX and a copy was sent to Roundpoint as the Mortgagee. The policy period is XXXX XXXX XXXX 

Please contact Roundpoint and let them know they are out of line.

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 2024-04-23 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: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
i disputed the item on my credit report XXXX XXXX on XXXX XXXX it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and lvnv. Lvnv do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account : XXXX XXXX XXXX XXXX T HERE ARE SOME UNAUTHORIZED INQUIRIES ALSO

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I XXXX  from college in XXXX. I consolidated ALL my student loans and aid them off in XXXX. Just this year, 30 years later, a student loan servicer sent me a notice informing me that I need to start making payments on my loans. In the 30 years since they claim I took out these loans, I have never heard of them, and the Department of Education handled the consolidation process, so it's unlikely I have a 30 year old federal loan that they just happened to find all of a sudden. 

I immediately disputed the loans, and asked for verification and validation documentation three times via certified mail. Over the past three months, they have ignored my requests. They have listed these loans on all my credit reports, and report that I have been making payments, which is NOT true. I've never made a single payment. Given the age of these magically discovered loans and the fact that they refuse to provide any documentation, I am forced to assume that these accounts are in error or that there has been some kind of fraud ( e.g. identify theft ). But now they are threatening to destroy my credit rating ( which is nearly perfect - this morning XXXX rates me XXXX ) if I don't start making payments. And as I understand the law, if I do start making payments, it is an implicit acceptance of the debt. 

I can't get them to engage with me, and I don't see a way to resolve this before they kill my credit rating. I consulted with a lawyer, and was advised that their services would likely cost as much as or more than the loans themselves. I find these tactics unprofessional and irresponsible, not to mention illegal. I need help forcing them to respond so that I can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which resulted in unauthorized use of 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an XXXX XXXX member of the United States XXXX XXXX, serving since [ XXXX XX/XX/XXXX ]. I previously contacted you on in XX/XX/XXXX to request a reduced interest rate under the XXXX. 

" I provided a copy of my military orders at that time '' and " We discussed the possibility of reducing the interest rate, and returning the interest I have already paid on my account. but I haven't heard back. '' ] I am writing again to ensure this request is processed and reflected on my account. 

Please let me know if you require any additional information or clarification. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In either XXXX XXXX XXXX, I reveieved a call from the debt collection agency stating I owed a final bill on some XXXX account. I explained that I didnt own that XXXX account or the debt that it must be in regards to my fathers account. I then stated I would pay a partial amount to just be done with it because the collector stated that regardless of who owed the debt it would be reported on my credit and I wanted to avoid this. Then a few days after that call and payment, I receieved another call from an agressive collector stating the amount owed was not for a final bill ( as originally stated ) but instead for an equipment charge. I also explained that I had no idea what he was talking about and asked for validation of the debt, that I never received, but he said it was validated by their client and that it would be reflected on my credit regardless of who owed the debt. At that point I refused to pay and stated on the recording line that I was disputing the debt, sent an email stating I was disputing the debt and demanded a proper validation of the debt. On XXXX XXXX XXXX I finally receieved some formal notice of the debt in the mail. It was not a validation letter or an itemized bill explaining the debt but just a letter stating I owed {$130.00}. I then received a phone call regarding that same debt and the representative said I owed more than what was stated in the formal notice. Due to this disprencency, I sent email alleging this was a violation of the FCDPA 807 ( 2 ) ( A ) and demanded formal validation notice and an itemized bill and proof that this debt belong to me. I received absolutely nothing from the debt collection agency. Now, I see that both XXXX XXXX XXXX and IC System are reporting the same exact debt on my credit but again with different amounts. ( XXXX : XXXX XXXX ICS : XXXX ). I have yet to receive a formal validation notice, itemized bill or proof the debt belongs to me from either 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 explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2024 there was a catastrophic flood event. I lost my home, car, and all of my belongings. It is a FEMA declared disaster. My flood insurer awarded me {$190000.00} to rebuild my home. My flood insurer was required to send the money to my mortgage company Mr. Cooper. Mr. Coooper is withholding my money, so I'm stuck paying out of pocket. They have an overseas call center which has standard talking points that do not assist, an archaic online system which does not work and will not accept necessary documents to be uploaded, they do not allow email correspondence, and a myriad of other inefficiencies which intentionally and systematically cause prolonged delay and severe hardship to obtain my flood insurance proceeds. The flood was three months ago but to date they have only provided 33 % of my insurance proceeds even though I'm getting ready to move back into my home in the coming weeks. Mr. Cooper 's inaction and intentional delay is an egregious abuse of authority and control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 2024-04-23 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: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a Bread reward offer letter with earn XXXX bonus points if spend {$1000.00} in the first 90 days. 

I apllied and received card but in different name " bread cashback '' instead of " bread rewards '' as it shows on letter Call customer support then the agent said it the same, no worry. 

After completed request from bread reward ( spend over {$1000.00} the first 90days ) but I did not received any one time reward ( {$200.00} ) from the company ( not like many orthers such as XXXX XXXX, XXXX, etc... ) Called support center and was asked waiting for next statement. However, nothing happent forever. 

Called in many time after that but the agents just loop me around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. XXXX accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. XXXX accounts before XXXX should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MN

Complaint narrative:
have demanded that these agencies remove these accounts from my credit. I did not give permission for them to be there.I HAVE FILED A LAQSUIT AGANIST EXPERIAN AND THIS IS THE FINAL OPPORTUNITY TO CURE.

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