vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Complaint against Carrington Mortgage Services Our complaints : a ) Lack of due diligence in updating our insurance information ; b ) Erroneous Report of our paperwork ; c ) harassment in collecting an invalid debt. 
d ) Violation of Consumer Fair Lending Act.

Timeline : Lack of due diligence to update our insurance information that lead to erroneous credit reporting and harassment in an attempt to collect a debt that is not valid. We paid our mortgage payment every month on time, never failed once or being late once and there has never been a gap. Evidence available upon request. 

Carrington failed o update our insurance information on four particular occasions : XXXX ) XX/XX/year> : XXXX  XXXX XXXX notification when our insurance was issued. 
we purchased insurance from XXXX  XXXX XXXX. Evidence available upon request. XXXX  XXXX XXXX, as a routine of doing business, automatically mailed a copy of our insurance information to mortgage companies. 

XXXX ) XX/XX/year> : My Phone Call My phone call I placed on, informing them that we have purchased our policy and our insurance agent information at XXXX for verification if they wished to. 

XXXX ) XX/XX/year> mailed information a Copy of the declaration was mailed to XXXX Mortgage Services LLC at XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) XX/XX/year> : faxed information Our insurance information was faxed from XXXX ( receipts available ) to Carrington at XXXX XXXX. 

None of these efforts were paid attention by Carrington. Our paperwork was not updated, two months after our mailed copy and 10 days after our faxed copy. 

XXXX ) XX/XX/year> I received a call at XXXX from Carrington when I personally spoke to an agent who still attempts to ask us to buy an insurance. I had informed him above facts and ask them to update our information. I was promised that they will. 

XXXX ) During this period, there were numerous calls in an attempt to ask us to buy insurance and pay the premium of the insurance Carrington purchased on our behalf.

During one call, I was told : it was the system that prompted us to call you. There is no human decision behind this. 

XXXX ) XX/XX/year>. They still did not update our information and a delinquent payment was reported to credit agencies. 

XXXX ) XX/XX/year>. They still attempted to collect a debt that incurred due to Carringtons failure to update their system with our update information. 

It seems nobody in this company cared about updating information in their systems. All they care, is to call us and ask us to pay for something that was not legitimate to incur to begin with. 

All evidence is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. 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 2024-09-29 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: GA

Complaint narrative:
I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file XXXX XXXX XXXX XXXX - Creditor Name : XXXX XXXX  - Account Number : XXXX - Date of Charge Off : XXXX - Amount : {$770.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.

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 2024-09-29 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: GA

Complaint narrative:
I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  - Account Number : XXXX - Date of Charge Off : XXXX - Amount : {$770.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XX/XX/2024 New inquiry XXXX I did not authorized this inquiry. 

XX/XX/2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XX/XX/2024 AFFIRM INC . I did not apply or authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX, 2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XXXX XXXX, 2024 New inquiry FEB/DESTINY I did not authorized this inquiry. 

XXXX XXXX, 2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XXXX XXXX XXXX XXXX. I did not apply or authorized this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have never created an account at XXXX XXXX, however since XX/XX/year>2024 they have been charging my checking account. 
I have tried to dispute this transaction through bank of america account, they state that I should call XXXX ( Can't get any reponse from this number ), also nothing from the customer service page ( since I dont even have an account ). 
Attached are all the charges. 
XXXX/XXXX/2024 : XXXX XX/XX/year>2024 : XXXX XX/XX/scrub>/2024 : XXXX XXXX/2024:XXXX XXXX/2024:XXXX XXXX/2024XXXX Total amount : XXXX US dollars

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 2024-09-29 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:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report, please remove these from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late years 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 2024-09-29 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX Equifax and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian XXXX and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}

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 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX  number 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 2024-09-29 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: PA

Complaint narrative:
XX/XX/year> I submitted a dispute complaint stating that the following accounts listed below are reporting inaccurate information and information that is not mine to Equifax through their direct website regarding the collection accounts listed below ( Confirmation # XXXX ) Account # XXXX : XXXX XXXX, XXXX XXXX Account # XXXX : XXXX XXXX XXXX The credit bureaus stated these accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate and the furnishing company has not provided me with any method of verification to how they can verify that this account is mine. This is ground for removal. 
They also violated my rights under 15 USC 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. 

Equifax replied in statement, for both accounts, " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. 

Equifax replied to this dispute XX/XX/year>. If a proper and reasonable investigation was conducted, given the time, how can a reasonable investigation be conducted within 24hours. Under the 15 USC 1681i, it requires for credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX XXXX XXXX received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : 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 2024-09-29 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: CA

Complaint narrative:
sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX XXXX XXXX  received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : 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 2024-09-29 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: AZ

Complaint narrative:
On XX/XX/XXXX I pulled my credit file from TransUnion LLC. credit report file number XXXX and located two closed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have been obtained and are currently being furnished in direct violation of 15 U.S.C.6802 ( b ) in addition to being in violation of FCRA U.S.C 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

On XX/XX/XXXX I composed a letter to TransUnion LLC. informing them of the violations and sent them a dispute letter on XX/XX/XXXX certified mail to ; TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX I called TransUnion LLC. to inquire as to the status of my dispute and was informed that they have the legal right to obtain and furnish any information about me without needing my permission. 

On XX/XX/XXXX I received notification via a secure message from TransUnion Customer Relations informing me that my dispute results were available. Upon logging into the system I found the information was not deleted from my credit file, they simply updated some information on the account.

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 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Escalation of Denial for Business Credit Application Legal Recourse Consideration Application Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX in his private capacity : I am following up regarding my previous correspondence dated XX/XX/XXXX, in which I requested a reconsideration of the denial of my Silver Business Checking Package credit application. I have not received a satisfactory response addressing the legal grounds for your decision, nor have you provided the requested documentation verifying your authority to retract my application. 
Please be advised that under the Equal Credit Opportunity Act ( 15 USC 1691 ) and the Consumer Credit Protection Act ( 15 USC 1601 ), I am entitled to fair and non-discriminatory access to credit. Failure to provide valid and lawful reasoning for this denial, as well as your refusal to extend credit without appropriate justification, may constitute a violation of these federal laws. 
I urge you to immediately reconsider your decision and proceed with opening my business account, as continued refusal without proper legal basis will leave me with no choice but to pursue further actions. These may include, but are not limited to : 1. Filing a formal complaint with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Initiating legal action for potential violations of the Equal Credit Opportunity Act, the Consumer Credit Protection Act, and any applicable anti-discrimination statutes.

3. Seeking remedies for damages caused by this wrongful denial, which is adversely affecting my ability to conduct business and access essential financial services. 
I trust U.S. Bank will act in accordance with federal regulations and provide a fair resolution to this matter by opening my business account promptly. Please confirm your decision within 10 days of receipt of this letter. 
Should this request go unanswered or denied without proper legal justification, I will take appropriate measures to enforce my rights under the law. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved

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 2024-09-29 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: IA

Complaint narrative:
Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a revolving credit line account at ( XXXX ) the account number ( XXXX ), an installment loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX XXXX, and collection accounts opened at ( XXXX ) on XX/XX/XXXX with a balance of $ ( XXXX ) & collection opened at ( XXXX XXXX XXXX ) on XX/XX/XXXX with the account number ( XXXX ) balance of ( {$630.00} ) and Collection ( XXXX  ) opened on XX/XX/XXXX with the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX number XXXX payment late XX/XX/year>2021 2021

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I used Delta for making airline travel a year ago. It asked if I wanted to sign up for skymiles with American Express. I thought I would be flying more but decided to move instead. I received an email stating I could cancel and be reimbursed the XXXX fee. I contacted XXXX on XXXX and canceled the credit card since I did not use the skymiles or use it for any purchases. XXXX canceled the card but refused to reimburse me the XXXX since I never used the card or the skymiles.

Company response to consumer: Closed with monetary relief