vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
THERE ARE FRAULDNET ACCOUNTS LISTED ON MY CREDIT REPORT WITH XXXX  XXXX AND THEY HAVE NOT BEEN REMOVED BY CREDIT BREAUS AND I WAS ADVISED BY THEM TO SUMMIT THIS 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 2022-03-17 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: CT

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CT

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with 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 non-monetary relief
Consumer complaint received 2022-03-17 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo make it impossible to pay.. I paid the. Several days ago cause and the refuse to take there money it took me 6 plus months to be able to log in to my account so I could see statements never mailed me any bills call them to try to fix these bugs due and they just transfer you around.. and now they reporting late on my credit report cause they will send a bill or let me pay

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 2022-03-17 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: MI

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Experian reported two hard inquiries to my consumers credit report without my written consent to Experian to do so. No consent is identity theft. 
I, XXXX XXXX never gave Experian my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Experian did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy

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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My current mortgage owner, RocketMortgage, purchased my mortgage approximately 4 months ago. Since then I have been receiving regular phone calls from them to refinance, after having previously opted out from marketing communications. At the time the mortgage was sold I received notices about it from RocketMortgage and the previous mortgage owner who both stated in writing that communication preferences and opt in/out would be transferred over. Since RocketMortgage purchased it, I have also opted out with them, both via their website as well as via a phone representative. They continue to call very frequently. The most recent call the agent on their side confirmed that they never changed my contact preferences. I have also received email marketing from them after having opted out which is a separate violation of the CAN-SPAM act. At times I end up receiving 2 or 3 calls from them per day. 

After attempting to work with them to have these opt out preferences respected and this request be ignored, it is clear they have no intention of respecting it. I am reaching out to file this complaint in hopes that action from the CFPB and FTC will help correct this problem for myself and other customers of theirs who are being unfairly and illegally harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: NM

Complaint narrative:
Good afternoon. My mother and I refinanced her home with XXXX mortgage in XXXX of XXXX. The purpose of the refinance was to put my name on the loan and take over payments for her so she can free up her income for her retirement, The loan servicer was changed from XXXX to Ameri Home Mortgage in XXXX of XXXX. I received an email from XXXX about this change so on XX/XX/XXXX, I went to the Ameri Home Mortgage website and made XXXX mortgage payment, stored my bank account information, and set up Auto-pay. Under the assumption that XXXX ( second payment ) was on auto draft. I checked my credit on XXXX website a few days ago and there was a late payment notice by Ameri Home Mortgage that dropped my score by XXXX points. XXXX score from XXXX to XXXX!! It was clear that an auto draft was never made for XXXX. I was puzzled that there was no attempt to alert me via phone, email, or paper mail about a late XXXX payment. Immediately, I went online and submitted payments for XXXX, XXXX, and XXXX XXXX payments. I promptly called Ameri home Mortgage and spoke to a mortgage representative who could not help with the audit trail of the Autopay set up I did in XXXX of XXXX, but she did say there is a 90-day grace period when loans change servicers. She transferred me to Customer Service Department who she thought would be better suited to help with my Credit Bureau reporting dispute. I reiterated the entire scenario but was then put on hold and cut off. This credit impact during the transition stages of a new loan and change of mortgage servicing agent can affect my credit lines for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Contacted The Company Capital One Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MI

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Equifax reported two hard inquiries to my consumers credit report without my written consent to Equifax to do so. No consent is identity theft. 
I, XXXX XXXX never gave Equifax my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Equifax did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My father, purchased land under the Texas Veterans Land Act. My father passed in XXXX and I, his son, continued to pay the loan. I recently paid off the loan and my last check, {XXXX}, was refunded to me, but in my fathers name. I called Dovenmuehle Mortage and explain I was unable to cash the check and asked them to remit the check in my name. I submitted all pertinent information they requested and have made numerous calls to update my request. Initial call was made XX/XX/XXXX. My last call was today, XXXX XX/XX/XXXX. I keep getting redirected and have received no satisfactory answer or check. I have also filed complaints with the Texas Attorney Generals Office and Savings & Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
LET ME START BY SAYING XXXXLakeview has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX  month the e-checks had the month and dates on the e-check for the months the payments were due for. XXXX took one of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result XXXX sent in a late payment status to my credit bureau bringing my XXXX XXXX down over XXXX. This also was told to me by XXXX it would be removed and taken off my credit, it is not!!! Lastly Loancare/Lakeview knows XXXX am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney XXXX XXXX. I have all my bank statements to back me up for each and every payment I have made on time to XXXX!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!

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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: WY

Complaint narrative:
Original creditor was XXXX XXXX XXXX XXXX whom I signed a XXXX year contract for alarm monitoring. Their company folded and XXXX XXXX XXXX picked up the account. 
I completed the XXXX year contract obligation in XX/XX/XXXX. At this point it went to month to month based on the contract. In XX/XX/XXXX I stopped paying for account as someone had gotten ahold of my credit card # that was used for auto pay to XXXX XXXX. 
Since my original XXXX year contract was paid as agreed I have no idea why XXXX XXXX XXXX decided to bill me for {$2800.00}. I had never received any bill or past due bill from XXXX XXXX. 
I started receiving phone calls from United Legal Group ( collection agency ) /Credit Collection Bureau in XX/XX/XXXX and I worked in good faith with them for at least 4 months trying to correct the issue. I requested and received a validation of debt via E-mail on XX/XX/XXXX from Credit Collection Bureau. I provided proof of my payment beyond contract date twice to them after receiving their validation of Debt E-mail. Twice they stated that they would take care of it. I didnt hear anything from them and now they have placed it on my credit reports as originally owing {$2200.00} and now owing {$3200.00} as of XX/XX/XXXX. I have the email chain, the validation of debt they sent, and the documents I sent proving I had paid my contract beyond the XXXX  years. 
I have worked very hard over my lifetime to keep my credit score XXXX which is now destroyed over this action.

Company response to consumer: Closed with explanation