vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Here is a copy of the previous complaint! 

Remove these two inquiries off of my credit file! 

XXXX. XXXX XXXX XXXX XXXX Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even afte is r several days of reporting this complaint to Experian. 

This is my third complaint and Experian has failed to remove unlawful identity theft inquiries off of my credit file!

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 2022-12-28 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: K STREET FINANCE, INC.
State: CA

Complaint narrative:
Mullen Finance still has my account as a repossession after I have written to then and disputed this multiple times. 

I was completely caught up on my car payments when my car was towed for parking tickets. This happened right in the middle of covid while I was in a desperate situation as it was financially. While I was trying to come up with the money to get my car out of impound without working at that time, Mullen Finance decided to take my car out of impound. They were obviously allowed to do this legally because they were the owners of my car until my car was paid off. After the car was back in their possession, the only option given was to fully pay off the car along with all of the parking costs, totally around XXXX XXXXXXXX. 

I tried every avenue possible to get this but it was not possible given it was during covid. 

This has had a horrible effect on my credit or being able to finance a new car or anything else. 

I dont think this is valid as a repo for the fact that I was completely caught up on my car payments and especially because it was during covid.

During my time financing with Mullen, I had some months that were late but I always made them my first priority to pay even during Covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-28 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is a old one that is still effecting me today. @ 2008 I was making my mortgage to Chase but each time I needed something they would tell me they need to check with XXXX XXXX.I went to XXXX and they got forbearance for me and added the delayed payments to the end of my loan.Then Chase started to give forgiveness for deferred payments.When I made a request to Chase they said XXXX XXXX was refusing to give forgiveness.Now that the government is giving out help I-have attempted to get the deferred payments forgiven but I am told there is nothing I can do. 
If XXXX XXXX was allowing Chase to be the heavy header back in the day why would they not allow their clients to secure the benefits being offered., nowadays senior citizen I cant get a reverse mortgage because when they add the deferred amount I owe too much to qualify Now what do I do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I wrote four checks in XXXX for the amount of {$4500.00} each from Wells Fargo, my company is XXXX XXXX. These were stolen from the post office, the thief deposited them in another bank account. I made my report when my customer tells me that he still has not received his check, I discovered that the check had been deposited without any alteration, only that it was deposited in another account, my bank said that I need to wait up to 120 days, it is worth mentioning that the checks were not altered only deposited in another account without the bank noticing that this did not belong to the company that was to be deposited

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX whole year Ive been going thur identity theft all XXXX credit bureaus have my documents and police report on file. I pay monthly for Experian app to keep my information safe and secure. I also have locks and freeze on my account including a pin which I change that and my email frequently due to ID theft. Somehow Experian is still allowing this thief to hack my account that I pay monthly to protect and alert me when someone apply or change anything on my account. Which is all fraud this person changes my personal information adding contact numbers Ive never had changing my email address so when they apply for new credit the company would call the fraudulent numbers. Experian is allowing this thief to add fraudulent addresses to my account that is vacant houses.Address that are not on file for me to receive mail from United States post office. I also have a statement up stating the only XXXX addresses and only XXXX should be on file for me. Experian still allows the fraudulent person to update new things to my personal information on my credit report its unbelievable. I also believe someone here that works at this company is also using my information, due to the fact I have a pin set only myself and Experian knows it, so how is this other person/persons still getting in my account? They are very unprofessional now my information has been uploaded to dark web ect this has really ruined my life

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
My significant other purchased a home in XXXX Az in XX/XX/1999. 
In the last 23 years, the servicer has changed several times currently Carrington Mortgage is serving us previously it was XXXX. 
I have occupied this residence with my significant other and paid the mortgage on the property since XX/XX/1999. 
My significant other passed away on XXXX. 
Upon confirming that I am the legal " successor in interest '' with Carrington Mortgage by presenting them with appropriate verified documents and their acknowledgment of them. 
Carrington Mortgage informed me I would not be allowed to have my name on the Mortgage unless I negotiate a brand-new Mortgage with them, in addition, I would not be reported as making payments on time to the credit bureaus even after I have been making payments on the Mortgage for the past 16 years.

Carrington Mortgage has deactivated the auto-pay access for the account.

I have to manually ( talk to an agent ) in order to make payments.

Carrington Mortgage has offered no help nor are they providing timely monthly statements.

I work and my job barely gets me home in time to make payment calls.

Manual payments are not accessible on weekends.

They're greedy and want a refi the mortgage because my monthly payment is under {$500.00} and 7 years to the end of the contract. 
Not to mention their need to appear profitable in order to make itself attractive to XXXX XXXX  which they are in the process of being acquired by. 
Are these actions by Carrington Mortgage legal? 
Is there any relief for my situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SD

Complaint narrative:
Amount of debt in dispute collection company has stated is {$1400.00} but original creditor was {$1300.00} which I notified of dispute also. They have choose to ignore requests to verify debt and now adding fees. Documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: DISCOVER BANK
State: AL

Complaint narrative:
I received an email advertisement from Discover offering a credit card application which would not affect my credit score. I applied and initially received an approval response, however before the card even arrived they changed their decision and closed the account. I believe this to be dishonest. Now I have an inquiry and a new account on my credit report which negatively affects my credit score. I wrote a letter to Discover asking them to remove the inquiry and the account from my credit report as they acted in bad faith. I have also disputed the account and the inquiry with the XXXX, XXXX and XXXX. So far only XXXX has responded advising that they will not remove the account. This is horribly wrong and I am reaching out to ask for assistance and to ask that companies not be allowed to do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Complaint and QWR. 

Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX  XXXX XXXX and transferred to Caliber. 

Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent. 

It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting. 

Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX. 

So when a XXXX  company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied. 

I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Got loan with co-signer not signing or permission. I was mentally unstable senior citizen on a fixed income. Couldnt afford loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.

Company response to consumer: Closed with explanation