vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is sending me information I already have only 2 statements. Im asking them for the entire complete statement for this credit card. I also sent them the hardship form they sent. They sent me the same thing over and over. I NEED THE ENTIRE STATEMENTS YEAR BY YEAR NOT ONLY 3 piece of statements.If they bought this account they should have all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
Dear Transunion, There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( see attached )

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to request negative accounts be reported correctly as In good standing accounts on my EXPERIAN report accounts XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX  XXXX XXXX accounts show discharged through bankruptcy XXXX  XXXX and potentially negative on my Experian credit report I have disputed these items with Experian. Experian responded accounts verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information has been removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with Experian but has not received a response. I have attached a dispute letter from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the whole social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions, and criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the whole social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that reporting discharged through bankruptcy XXXX  XXXX be removed from accounts immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the negative accounts reporting from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: OH

Complaint narrative:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX My social security number is XXXX I had fraudulent activities on my credit report due to an old roommate I disputed the claim they approved the claim but the discrepancy is still on my credit report also I had a car payment discrepancy where they sent the money back and it was not my fault it was due to the financing company switching payment methods I also disputed that and it was also approved because the vehicle was paid off with the next payment but it's still on my credit report also I'm trying to clear all this up so I can get a loan for a house My information has been used fraudulently a few times through the years and I'm just now learning about a lot of it and trying to clear it up I would definitely would appreciate some help

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 2023-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is trying to force me to pay for credit reporting services that are free and not allowing me access to my free credit score.

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 2023-07-07 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: PA

Complaint narrative:
I recently pulled a copy of my credit report and seen the following inquires I do not recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. 

1.XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX XXXX, 2022 sent check for over XXXX to Freedom Mortgage. Clearly written on XXXX XXXX check " 3 months payment ''. Freedom did not credit the check as 3 months payment. Freedom credited the check as 1 month. Then, the monthly amount of my mortgage payment became variable, late fees requested. 
Despite several phone conferences with customer service reps, the changes discussed have not been reflected on the monthly statement. 
Please investigate and reply

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 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Spring Oaks Capital LLC called my mother in law trying to find my husband about a debt. We were not aware about this debt as no letters have been received by us to dispute. After looking on our credit report we see that the original creditor was XXXX XXXX. He has never had an account with them. The creditor called my mother in law at XXXX. When I called the number back on XXXX directly after, they would not identify who they were. The original caller actually refused to come to the phone. We were finally able to get out of them the agency they were with and amount owed but did not tell us who the original creditor was. 

Spring Oaks was absolutely unprofessional and disgusting. They divulged private information to my mother in law, which to my understanding is against federal law. They would not identify themselves to us nor the original creditor which i believe violates federal law as well. 

Spring Oaks needs to not contact myself, my husband, his employer, or my family. I want this removed from his credit as I have no idea what this account even pertains to and they failed miserably notifying us that this was owed. 

XXXX XXXX  needs to remove the charge off as well, we have never received any letters so we could dispute the debt and we have no idea what this account is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts ASAP.

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 2023-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
Carrington Mortgage Services , LLC uses an escrow payment projection method that uses a lower projected payment amount than the higher actual current payment amount, to project needed escrow payments for the next escrow year cycle. Because of using their projected current to escrow payment number, they are projecting my escrow account will be short, and as a result, are adding an additional short payment amount to my escrow payment. This is causing my monthly mortgage payments to increase. THIS IS AN ERRONEOUS PROCESS. 

The projected escrow number being used is lower than my actual current escrow payment. Their projected payment number is {$570.00}. I currently pay {$630.00}. If my actual payment number is used in their credit/debit schedule instead, the escrow account is never negative at its lowest point, and does not require an increase to cover any supposed shorts. The account is only projected to be negative if the made up projected number is used. 

This is the second year in a row they have done this. Last year the made up projected payment number was {$520.00}, but I was actually already paying {$610.00}. The scenario last year was the same. If my actual higher payment number was used in the calculation, my escrow account would never have been negative at its lowest point. My loan was sold to them, I never had this issue with the original mortgage holder, and the original holder used the actual escrow payment amount to project the escrow balance for the upcoming year, and not a made up lower projected number. Carrington Mortgage Services , LLC gets this made up projected payment number by taking the escrow disbursements total and then dividing it by 12. By this logic/method, the account will always be short, and they will always raise your monthly payment on a yearly basis. There is no limiting principle to this method, and the method uses incorrect numbers in its calculation. 

I spent many hours with on the phone with Carrington customer service, escalated to supervisors, and various other departments. All of them told me to kick rocks, and this is the way its done. I was told you can not speak to the escrow department on the phone. Customer service also supposedly contacted escrow on my behalf, and were told there is no error. Of course there would be no error found when you rerun the same calculation with flawed inputs. The process itself is the problem. I also sent several emails and follow up emails to the recourse team listed on their website. I was never contacted by the recourse team to address the issue. This is a predatory practice to justify holding more than is necessary in their escrow accounts. My guess would be to have more float to loan or invest for profit. 

My next steps will be contacting an attorney if this predatory practice is not changed/rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.

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