vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
My husband and I were laid off the same day from our industry ( mortgage ) on XX/XX/XXXX. We contacted Carrington Mortgage Services and requested a forbearance and or modification. We were told we had to be late at least 90 days before anything could be done. We were current at the time. We called again at ninety days late and requested a forbearance. We received a forbearance ; however, four of the forbearance payments were required to be put on the back of the loan, as indicated by XXXX XXXX in the State of Oregon thus , by the time our forbearance ended, we owed over $ XXXX in late and back payments and fees. This made it impossible for us to become current as we were still unemployed. When we became employed again we made less than half of our previous income. We reached out to Carrington Mortgage and the Oregon Housing Authority in hopes of keeping our home. We were told that due to our income being so much less and our inability to pay the back fees/payments, our only option was to sell or be foreclosed upon. We contacted XXXX XXXX XXXX XXXX, and they indicated that Oregon has a program in which they will grant up to $ XXXX for back dues/payments, etc, to bring the mortgage current and keep the consumer in the home. This plan didn't work for us because when we received a mortgage, our loan amount was over the conventional loan amount. While our home mortgage is currently within conventional loan limits, we don't qualify based on our original loan amount. We feel that this violates the Oregon Unfair Trade Practices Act " advertising real estate, goods, or services with the intent to not provide the items advertised ''. 
We feel Carrington violated Oregons foreclosure moratorium by requiring the XX/XX/XXXX thru XX/XX/XXXX payments to be paid in full rather than being added to the end of the loan. We feel Carrington violated Oregons Unfair Trade Practices Act at XXXX XXXX and XXXX  XXXX by failing to deal with us in good faith and in violating Oregons foreclosure moratorium. Had Carrington put those calendar year XXXX payments on the back of the loan, we believe we could have gotten current and saved our home. However, we were never given that opportunity and once we were unable to bring the loan current, Carrington exacerbated the problem by refusing to accept any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: OH

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my consistent requests for a thorough investigation, I have yet to receive any resolution or corrective action. These erroneous accounts are significantly damaging my credit file and severely impacting my ability to live a normal life. 

The negative consequences of these inaccuracies have caused considerable hardship for me, and I am now urgently seeking your assistance in rectifying this situation. I respectfully request that you conduct a comprehensive investigation into each of the disputed accounts and take the necessary steps to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. 

Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 bogus addresses. 

These addresses were used to open accounts in my name : XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX. Acct # XXXX Launch XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX. Acct # XXXX XXXX XXXXXXXX. Acct # XXXX XXXX Acct # XXXX I have been in rehab from a XXXX the last 7 years. My Family has been handling my affairs. Rehabbing at a XXXX Home. The only address I have legally used is XXXX XXXX XXXX, XXXX, GA XXXX. I am homeless at this point. With this FTC Identity Theft Affidavit, I am reporting several distinct false accounts that I do not recognize as stated and that are the outcome of identity theft and fraud that are showing up on my consumer XXXX credit report. 

A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaints # XXXX as official documentation from the XXXX Federal Trade Commission XXXX XXXX the Accounts and Addresses listed above are all the product of fraud and identity theft. Also enclosed is a Police Report from XXXX Police XXXX documenting these fraud accounts and addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> XXXX sent me and my husband ( XXXX XXXX ) letters notifying us on a XXXX XXXX. It indicated a lot of our personal information was obtained by a third party. They offered us the ability to enroll in TransUnion 's " My true identity '' XXXX XXXX XXXX. using the supplied ink and unique code, we were supposed to sign up for this service and freeze our accounts. After a XXXX hour process of registering with them and being shown XXXX XXXX reports, we both requested credit freezes. " Which they could not do at this time, log in later to try again ''. We have tried many times over the past several months to do a credit freeze, with the same answer being given. This week I received XXXX separate notices from XXXX, XXXX 's XXXX, and XXXX XXXX that in response to my application for credit cards, that they will need additional information, or just send me a credit card. I did not require or apply for any of them. Obviously someone is trying to use my credit to get credit cards, which is probably from the noted credit breach, and I still can't get my credit frozen. I was able to call the credit card companies and have them cancel the applications/cards, but this often takes hours to get thru to talk to someone. Nothing is more frustrating that going thru these registrations and getting kicked out and having to start over.

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 2024-08-19 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: DE

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

LVNV Funding LLC {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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 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 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 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 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 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 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 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 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Beginning of XXXX was the last time I used my card, every time I used it, it was declined. This card was fairly new this year. Prior to now, every time I made a charge it was declined. I spent over XXXX hours of my time back and forth with your company and the business I was trying to charge to. XXXX blamed it on the other. The next day the same thing, a waste of my time with uneducated employee, The other day there was a charge that wasnt me. I called and they stopped my card. I received my new card today, opened up the envelope, XXXX code on the back, so I scanned it with my phone, and next thing I know, my card was declined with a charge of XXXX, within less then a minute after I scanned the code. I havent left this house or charged anything. So this card either got scanned by XXXX of your employees or the XXXX XXXX XXXX. I card Capital One and she said she would have to stop my card, and she said there was another charge for XXXX something. I havent been able to check my account because it has been stopped. The woman from Capital One, said she was going to report fraud and they will have to investigate. As we are hanging up, she said watch your statement. How???? I cant even log in. I have been working very hard to regain my credit, but there are so many obstacles. Does my date change every time I open a new card? How do I handle this, cancel card and lose my time with this card, or dispute you for my card time. Contemplating what to do. XXXX XXXX, Capital One. Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a loan being serviced by NewRez. I requested an appraisal last year which was completed in XXXX of XXXX. I calculated my XXXX to be 80 % in XXXX, and requested removal XX/XX/XXXX in writing. I received no response for XXXX months. I followed up XX/XX/XXXX, and was told that I would be hearing from someone. I am currently at 77.4 % XXXX, which should have triggered automatic removal. 

I called again today XX/XX/XXXX, and was told that " my investors '' decided to make the XXXX required to remove PMI 75 %. I understand there are laws which govern PMI, and NewRez is breaking those. Further requests for them to follow the law have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
I've been trying to fix this issue with Equifax for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major XXXX  distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.I 've been trying to fix this issue with XXXX for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Debt Validation and Contract from XXXX XXXX  Dear TransUnion, I am writing to dispute an alleged debt reported on my credit report by XXXX XXXX  XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt and a copy of the original contract or agreement that bears my signature and that XXXX XXXX claims gives them the right to collect this debt. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The name on file of the alleged debtor. 
XXXX. The alleged account number. 
XXXX. The address on file for the alleged debtor. 
XXXX. The amount of the alleged debt. 
XXXX. The date the alleged debt became payable. 
XXXX. The date of the original charge-off or delinquency. 
XXXX. Whether this debt was assigned to XXXX XXXX or purchased, and if purchased, the amount paid for the debt. 
XXXX. The commission for the debt if collection efforts are successful. 

Additionally, I request copies of the following : XXXX. The agreement or contract that grants XXXX XXXX the authority to collect this alleged debt. 
XXXX. Any signed agreement that I have made with XXXX XXXX, or any verifiable proof that I have a contractual obligation to pay this debt. 
XXXX. Any other agreement bearing my signature wherein I agreed to pay the creditor or XXXX XXXX. 
XXXX. All statements while this account was open. 
XXXX. Any insurance claims made by any creditor regarding this account. 
XXXX. Any judgments obtained by any creditor regarding this account. 

Please also provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. 

You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt within 30calendar days from the date of receipt of this letter. 

Please be advised that failure to comply with this request within 30 days will result in the removal of this disputed debt from my credit report. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-08-19 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 have been disputing my letters for the longest and no one is seeming to take my complaint into consideration. Ive had issues attaching my report along with my letter but I was finally able to attach the report. Please investigate my complaint.

Company response to consumer: Closed with non-monetary relief