vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX -- - ; I attempted to request my credit file online to challenge incorrectly reporting items on my Innovis report ( as they report the same information contained in the XXXX, XXXX, and XXXX consumer credit report files ), but because they are reporting an incorrect phone number ( ending in XXXX ) in my credit file that does not match my phone number being reported in my XXXX, XXXX, and XXXX consumer credit report files, I am unable to even request an Innovis report. My correct phone number is XXXX XXXX XXXX and also am challenging the other incorrectly reporting items supported by attached documentation and ID. 1 ) Removal of the Public Record ( bankruptcy ) item as per XXXX letter dated XXXX XX/XX/XXXX ( and associated accounts ) ; 2 ) No XXXX entry should be reporting as XXXX no is holder or servicer of any of my student loans ( they were transferred to the guarantor back in XX/XX/XXXX ) therefore any such reporting item should be removed immediately ; and 3 ) Correction and Update of the US Dept of EduXXXX XXXX student loan reporting currently with a $ XXXX balance ; Attached letter from XXXX states effective XX/XX/XXXX ALL of my student loans have been forgiven and now with a XXXX balance ; This account/ item reporting should now be corrected to a XXXX balance with Status/Remarks as : Paid. Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare through XXXX XXXX XXXX' is negligently or purposely delaying the release of checks to pay contractors for repairs to my property. It had taken me more than 7 or 8 phone calls in the last two weeks to attempt to get the checks released. Every time I call XXXX I receive a different excuse for the reasons the checks have not been released. 

Currently, I am paying the contractor out of my own pocket because Loancare is retaining the checks intended to pay the contractor.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( XXXXXXXX XXXX  ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask XXXX XXXX  to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to XXXXXXXX XXXX I had 43 on time payments with XXXX before I refinance to XXXX and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send XXXXXXXX XXXX along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and discovered several errors. To rectify this issue, I exercised my rights as a consumer by mailing dispute letters to all three credit bureaus, namely XXXX XXXX, Experian, and XXXX, on XX/XX/2023. Although Experian received my letter on XX/XX/XXXX, I received an email from them on XX/XX/XXXX stating that they did not believe the letter was from me or authorized by me, despite my providing a copy of my driver 's license, Social Security card, and proof of address. I even included specific language within the letter to confirm my authorship. To my dismay, Experian proceeded to misquote the law and misled me into thinking that they would not be taking any action regarding my dispute, citing " precautionary measures. '' In reality, 15 U.S. Code 1681i clearly outlines the procedure for disputed accuracy of information in a consumer 's file at a consumer reporting agency. The law mandates that a free, reasonable reinvestigation must be conducted within 30 days of receiving the notice of dispute from the consumer or reseller. Additionally, the agency must provide prompt notice of the dispute to any person who provided the disputed information, including all relevant information regarding the dispute received from the consumer or reseller. 
Experian 's actions violate my consumer rights, specifically 15 U.S. Code 1692e, which prohibits false or misleading representations. Experian 's failure to communicate that a disputed debt is disputed is a clear violation of this statute. As such, I am entitled to {$1000.00} per violation and demand that Experian immediately delete this account. I have attached a copy of the email from Experian as evidence of their misconduct.

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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to equifax and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I filed a dispute with Lexis Nexus in XX/XX/XXXX because their report says that I have an at fault accident on my report from XXXX, but I have not had a car accident in 7 years. This accident is on my report, but it is not my drivers license/social security # and should NOT be on my account. The results of the dispute showed that the accident was not my fault, but its still showing on my report, and now EVERYTHING, connected to whoever is responsible is showing on my report as well. I want this corrected IMMEDIATELY. My car insurance has gone up to over $ XXXXmonth and I have been turned down for rental property due to this reportplease help me?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As I stated in the previous complaint, Capital One continues to withhold deposits made by employers due to holidays. It is unfair and due to that reason I am no longer going to be a Capital one member and I will also share the disadvantage and inconvenience that the bank has to all my family and friends so that they also do not continue to have struggles like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MS

Complaint narrative:
Received an email in an attempt to collect a debt on XXXX XXXX, XXXX. 
Submitted verification of debt letter on XX/XX/XXXX. 
Hunter Warfield replied with my rental contract. 
Sent another letter on XX/XX/XXXX and the company stated that they would not respond to any other emails from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MD

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 XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. 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 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 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 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 2023-02-18 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: MD

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. 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 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 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 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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
During the pandemic things got rough for I and my wife when she lost her job and we got behind on our bills. We heard about a program that was supposed to offered by our mortgage company for the purpose of helping people who dealt with financial hardship through the pandemic, so like many others we called our mortgage company Carrington mortgage, who explained to us that the plan was a federally backed Covid-19 plan designed to help people just like me. My wife and I agreed that this was the best step to preserving our credit and making sure that we dont default on our home loan and become foreclosed on. We were current on our payments at the time we went into Covid-19 forbearance, and our credit scores were between good and better, however what happened after the 3 months of us being on the forbearance was a nightmare. When we called to find out how we were going to be able to get off of forbearance and begin to bring our account back to normal, we were told that we had several different options and one of which we chose was the one that they put the payments on the backend of the loan which sounded simple enough, however it required us to pay a fee for the next 3 months to get our account out of forbearance and show that we were capable of maintaining the new payment after forbearance, we agreed and began n to pay the new mortgage payment with the fees included which seemed simple enough, however as time went on it became a never ending story of when will we be taken off of forbearance. Three months of forbearance quickly turned into a year of us on a forbearance plan, why you may ask? Because despite the fact that we continued to pay our mortgage every month with the fee included, the company kept telling us that they could not take us off of forbearance at that time which finally turned into them telling us that the company was in the midst of being sold and that they would not be able to take us off of our forbearance until after the sale was over. To make things worse we tried to refinance our car and checked our credit only to find out that Carrington had put the forbearance on our credit report at the time and we couldnt refinance our vehicle while we were on a forbearance plan which continued to go on for months on in because of them stringing us along because of some sale of the company going on. Their harmful practices damaged our credit and we began spiraling down from that point and never did fully recover from it all because of what happened. It was a sad situation because we continued to make our mortgage payments on time with the fee included for months on in, and me calling constantly trying to find out when they would release me from forbearance which was supposed to help us to avoid a negative impact, but as time went on it impacted us more negatively than if we were to have done anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: SC

Complaint narrative:
XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

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 2023-02-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX no longer services my XXXX loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

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 2023-02-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 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 an 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 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
It started in XX/XX/22 thur XXXX..someone hacked my bank account and charged money for XXXX XXXX..which I have not use their services. Plus there are No XXXX service in XXXX Maryland! Also I work everyday as a driver for a company. DO NOT NEED OR USE XXXX SERVICE! They are trying to get the money from me on my credit. Any help would be appreciated. XXXX XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXX  2. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 2023-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize

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 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
The debt In amount of {$1400.00} was paid to XXXX XXXX on XXXX Paid in full.

Company response to consumer: Closed with explanation