vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: TN

Complaint narrative:
My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and Experian as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore

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 2022-10-19 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: OK

Complaint narrative:
This should go to XXXX, experian, XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by XXXX, XXXX, experian they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to experian today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX and when i contacted experian they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.

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 2022-10-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 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 2022-10-19 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: 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 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, has violated my rights. 

XXXX XXXX XXXX 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 2022-10-19 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
recently found out an account was being reported as charged off with XXXX XXXX XXXX XXXX. I have never opened said account and it was Fruad.

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 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Did not authorize Credit Pull. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Did not authorize Credit Pull. Please remove.

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 2022-10-19 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Did not authorize. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Hello, Affirm has retaliated against us after the filing of Complaint ID XXXX. 
Affirm responded to our complaint and said : " if this loan does not receive a payment on or before XX/XX/2022, the loan will charge off and may be sent to one of Affirm 's third-party collections partners ''. This response was made on XX/XX/2022, the deadline set by Affirm. 
In essence, Affirm immediately discharged the loan as a result of this complaint by setting the deadline as the same day as their response. It would have been impossible for us to comply with this request. Affirm should not be allowed to retaliate against people who file legitimate CFPB complaints after their own customer service has made no good faith effort to provide resolution. 

Nor does this take into account the core of our complaint. As stated in Complaint XXXX Affirm is not accepting payment from me. Neither by my previous method of payment, which they randomly stopped accepting, or additional methods of payments I have attempted to use. Affirm 's customer service provides no support, and it is unreasonable to ask me to continue to set up new methods of payment when multiple have already been tried. 

Affirm also ignored the context of Complaint ID XXXX, where we demonstrated that Affirm had received payment that was deducted from our bank account and then failed to credit the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX*15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of 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 or has a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of 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 or has a reasonable cause to believe 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There have been 15 unauthorized Inquiries on my Trans Union credit report. That I did not authorize. 
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 XXXXXXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Please Remove these unauthorized Inquiries Sincerely, 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 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello! 

On XX/XX/XXXX I sent a XXXX XXXX XXXX USD from XXXX XXXX to XXXX XXXX XXXX 
My correspondent bank turned out to be Bank Of America. Money was stuck there, still being processed. Bank of America is unable to give me any information as Im not their customer. XXXX XXXX is also unable to get any news for me. The recipient company also tried to contact Bank of America, but didnt succeed. 
On XX/XX/XXXX I asked XXXX XXXX to request a refund of my XXXX from Bank of America, XXXX did this, but the money hasnt yet been returned. At the same time, when I monitor my XXXX transfer through GPI tracking, I see that some operations are regularly carried out. Despite this, nothing happens. It is necessary that the entire amount be returned to my XXXX account as soon as possible, safe and sound, since I urgently need to pay a fee to the developer. 
Im attaching documents substantiating my transfer. 

P.S. I have to put US in the address line due to a site failure. My correct address is XXXX ( unfortunately ), XXXX, XXXX XXXX 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 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I called Carrington Mortgage to inquire about my home loan modification. 
I was told it was still in processing. I followed up several times until XX/XX/XXXX when XXXX advised me the paperwork was lost and now invalid due to missing date. They said I would have to go back to XXXX and pay up to date to keep my loan modification. After I filed complaints with the XXXX and XXXX XXXX they sent revised docs in XXXX with an XX/XX/XXXX due date for the new modified monthly payments. I received a new set of documents in XX/XX/XXXX that was signed, notarized and submitted to Carrington Mortgage in XX/XX/XXXX. I received final process documents dated XX/XX/XXXX with my first mortgage due XX/XX/XXXX. As of XX/XX/XXXX, the monthly mortgage amount changed due to their XXXX failure to calculate the escrow correctly therefore it didnt pass quality control so as of XX/XX/XXXX XXXX at XXXX would have new documents sent to me with the correct monthly mortgage payments for signature and notarization. XXXX arranged for a notary to meet at my home. The documents were notarized signed and return to Carrington Mortgage. On XX/XX/XXXX, Carrington Mortgage notified me and my attorney that the paperwork failed quality control due to notary 's county didn't match the county of residence. On XX/XX/XXXX CM arranged another appointment for me to meet with a notary on XX/XX/XXXX. I didn't receive word that the docs passed quality control until XX/XX/XXXX when I reached to XXXX XXXX via email and he confirmed the docs had passed quality control and in the process of having the modification finalized. I emailed XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX because the mortgage due date remained XX/XX/XXXX and was not adjusted based on the revised docs with a correct notarization and final docs not being received until after XX/XX/XXXX. He has never responded to my email. I noticed the forbearance was extended until XX/XX/XXXX which also prompted my emails. I called XXXX today and was advised that the paperwork couldn't be amended because it has already been filed with the county and I would have to pay XXXX and XXXX or my loan modification will be cancelled. I am prepared to pay XXXX since the final docs pass quality control, filed with the county and I received the final doc but not XXXX with invalid docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Prince Parker & Associates
State: LA

Complaint narrative:
On XX/XX/22, I discovered an identity theft on my XXXX Credit Report. I contacted the reporting agency, but have not received a fraud packet. My identity has been stolen 8 times this year and I am extremely diligent with monitoring my credit. The alleged creditor is XXXX & XXXX XXXX. The collection Agent is Prince Parker & Associates, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am unsure exactly what type of mortgage fraud it is. 
There is a phone number that came back on my mother 's credit report to a woman. 
The exact same woman has mail continuously coming to our house along with several other random pupils mail. These individuals are people whom the either of us have ever even met. 
I looked the phone number up to the woman on my mother 's credit report and she once worked at UMB Bank.Several members in my family including my mother, both grandparents, grandparents business, and myself all had Accounts with UMB BANK over the years. 
My grandparents banked with the bank for many many years. 
I reported this to the post office months ago but have yet to hear back except for one time the same week of XXXX. 
My mother 's name is XXXX XXXX, she pays a mortgage on her home that my children and i occupy with her. Her monthly mortgage prices change seldomly as well.

Company response to consumer: Closed with explanation