vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: MO

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 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 2023-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services in XX/XX/2023. I was current my payments. I paid my XXXX payment to XXXX XXXX  on XX/XX/XXXX because I was not aware my loan had been sold. XXXX sent my payment to Carrington in a bulk check on XX/XX/XXXX. Carrington requested a copy of my bank statement showing my payments had cleared my account. I provided that in XXXX As I was not aware they were showing my XXXX payment wasnt made due to my XXXX payment not being posted. In XXXX they informed me I had to provide the cashed check that XXXX had sent them. I provided that on XX/XX/XXXX. On XX/XX/XXXX they confirmed they received the copy of XXXX cashed check and the payment would be taken care of. If there were any issues they would call me by XXXX that day. As of today XXXX they still have not corrected my account. I now have late charges and have been reported as late to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Today on XX/XX/2023 Ive received an email from my bank telling that Zelle a third party digital payment network is locking ( closing ) my account with them, I tried calling the number they provide for me to one  of my bank customer service but she can only tell me information I already knew so I went to one of their branch and asked for a banker, she managed to get me on a group call with one of the Zelle employees telling me again the same information with no detail and no reason as to why theyre terminating my account with the only explanation that it violated the terms and agreement which I have no idea which terms I was in violation of so Im formally filing a complaint because this company that Ive used for years decided to close my account without any cause or explanation, not even to notify/ give me a warning ahead of time of what action theyre planning to carry through with my account. This ordeal ended up causing me immense stress and inconvenience to me receiving payments on a biweekly basis so Im hoping some restitution can come from this whole situation Zelle caused me out of the blue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed inaccurate public record information numerous times. The dispute entity name is abbreviated, the street address is misspelled and inaccurate and XXXX XXXX has reported to the credit reporting agencies that the public record information investigated by XXXX is UNVERIFIABLE. 

The credit reporting agencies have not deleted disputed information and are in violation of the FCRA.

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 2023-12-20 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: SC

Complaint narrative:
I called Experian to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that Experian is violation of FCCA.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed an agreement with a moving broker and paid a deposit of {$3600.00}. The agreement says that the move cost {$8900.00} if the inventory is truthfully submitted and no additional services are purchased. On the day of the move the moving company came to my house and told me they wanted {$5000.00} more to carry out the move. I showed them the agreement and the bidning estimate and refused. They stated that this was not considered a valid estimate to them, only the XXXX would make the determination how much the move really cost. I refused to pay and considered our agreement invalid, as there was no wrongdoing on my end, the inventory was correct. I requested to return my deposit, which they refused, based on the contract ( that I consider invalid as they did not honor the agreement ) I reversed the charges for the depoit on my credit card and explained the situation to Chas Bank, the credit card issuer. Chase Bank considered the charges against my proof and documents as valid and allowed the merchant to keep the deposit, based on their interpretation that the agreement was vaild. A little reserach shows hundreds of complaints against the same merchant for the same reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: CarMax, Inc.
State: OK

Complaint narrative:
I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: DISCOVER BANK
State: OK

Complaint narrative:
I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-20 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: CT

Complaint narrative:
I have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LoanCare, LLC
State: NV

Complaint narrative:
I applied for a loan assumption due to a divorce, which has taken loan care several months to reply. Loan care will not allow me to speak with any loan assumption specialist. They sent me a denial letter stating that I have insufficient history of income yet I have been in the same line of work for over 20 years. I have requested a callback Phone, email and Ive even gone as far as trying to contact officials via XXXX demanding a reply and nobody has answered me. In my initial loan assumption documentation that was provided to me I was charged {$400.00} and my credit was run. It took loan care several months for a reply. The initial rep that I spoke with said that I didnt need to add anybody on the loan assumption, documentation, all, although the loan assumption documentation said that I can add an immediate family member. They told me that I would qualify on my own since I originally qualified for the loan on my own. Fast forward several months later I get the denial. Now I am demanding to speak with somebody there and nobody is responding. I want to apply for my loan assumption again and if need be, I will add my mother whom is an immediate family member, which the original documentation stated that I can do and I want this done in an expeditious manner, and to be able to speak with somebody at loan Care.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed

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 2023-12-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. 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 non-monetary relief
Consumer complaint received 2023-12-20 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: NY

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CA XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
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 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

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 2023-12-20 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: SC

Complaint narrative:
I called Trans Union to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.

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 2023-12-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 @ XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: WA

Complaint narrative:
Im being asked to provide {$100.00} by Credit Corp Solutions. This is them saying that its something from XXXX. I provided documentation from my bank where {$100.00} dollars were sent to XXXX around the date of this debt collection creation. XXXX also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like XXXX sending me to collections, then me paying, then XXXX not doing due dilligence and contacting the debt collectors. Either XXXX or credit corp solutions not doing their required work and asking me to prove why I dont owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrect XXXX of my name that I am not known by and that could lead to identity theft. I have already disputed the inaccurate names with Experian and have uploaded proof of my identity and legal spelling of my name. Despite this, Experian continues to verify and publicly report these inaccurate spellings of my name. The inaccurate XXXX of my name that need to be removed are : XXXX XXXX XXXX and XXXX XXXX. I have uploaded a copy of my driver 's license for reference to the correct spelling of my name.

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