vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have own my house for 9 years. I never missed 1 payment. I originally was paying my mortgage with XXXX, then it got transfer to Carrington Mortgage. I have always had automatic payments. I change the payments every 2 weeks in their portal to save money in interest. the payments were taking out. then they contact me a month later that my payment was past due. I told them that I was not because I set it up every two weeks. 
even thought they took the payments they did not apply them as a regular payment. 
They told me that they don't allow to split the payments every 2 weeks instead of 1 once a month. we had that taking care of I asked the lady who I spoke with on the phone to make sure don't report as a late payment. That was something I didn't know I could not make the payments every 2 weeks. I have submitted several bureau disputes, I have fax them a letter and they still will not remove that late payment. I have proof from their own transaction history as well as the month statement that I was not late. 

they are also charging me a curtailment fee of {$200.00} per month. I don't know what is that for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX, XXXX, Experian have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct 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 non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
On XX/XX/2022 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. 
On XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. 
On XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. 

This is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft.

The FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. 
The furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
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 NO XXXX XXXX  : ACCOUNT NO : XXXX XXXX : ACCOUNT NO : XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX XXXX. ACCOUNT NO : XXXX XXXX XXXXXXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX NO : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NO : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX  ACCOUNT NO : XXXX XXXX  ACCOUNT NO : XXXX XXXX5 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.

15U.S.C. 1681 c. ( 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX is given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX XXXX XXXXXXXX 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 2022-06-03 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: CA

Complaint narrative:
in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights. 

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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:
in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights. 

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: GA

Complaint narrative:
I submitted a dispute letter to XXXX, XXXX and Experian XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner

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 2022-06-03 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online payment using the Bank of America online portal. Prior to this, my phone was stolen on XX/XX/XXXX, which resulted in me needing to have my ACH information on my bank account changed after realizing I had multiple transactions I was not aware of. My bank told me all " familiar '' charges ( IE : insurances, credit card payments, etc. ) would not be impacted. On XX/XX/XXXX I received an email saying my payment failed. I attempted multiple times to log back into the app, but by the time I got the email it was outside of the XXXX minutes they provide you to log in for security purposes. After failing again today I called them, and was told that as of XXXX my account was cancelled due to non-payment ( have missed 2 payments EVER ). I did not receive any email until I called in ( I have phone records of this ). I spoke with a Senior Credit Analyst and they told me they would submit a request to reopen my account, NOT TELLING ME THEY'D DO A HARD INQUIRY ON MY CREDIT RESULTING IN A DING. For such a large financial institution, their business practices are disgusting and frankly I am wanting my account reinstated effective IMMEDIATELY. I made a {$1200.00} payment today that has gone towards the account. I need someone to contact me ASAP and I will continue to report them to every organization possible in addition to sharing my experience on social media.

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 2022-06-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has a missing tradeline from my credit report that was once on it. This missing tradeline is from XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-06-03 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:
I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX of michigan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX In XXXX, I filed a complaint with company Ad Astra . I responded XX/XX/XXXX and did not hear back from company. It's been over 60 days and this item needs to be removed from credit report. 

1. Any documentation the company mailed does not show proof of any contracts with Ad Astra. Thus, there is no debt owed to this company. No legal ties created and due to the original company relinquishing their position through selling contract, then there is nothing to pay or discuss.

2. It's been more than 60 days

Company response to consumer: Closed with explanation