vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The lender who has scheduled a foreclosure sale along with their attorney has received multiple requests to provide payoff information and has failed to do so. The title company who is attempting to insure title related ot a final sale has also requested this information. Now the lenders servicer ( Mr. Cooper ) is saying that they are unable to provide certain information because of the XXXX software issue which happened on XXXX XXXX XXXX But these requests have been made previously on multiple occasions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX Balance {$4900.00} Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX OPEN : XXXX BALANCE : {$10000.00} XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX Date : XXXX INQUIRY : XXXXXXXX XXXX XXXX Date : XXXX Please Help Me Reinvestage These Accounts I Seen A Few Errors on My Report and These Accounts Wasnt Open Without Permission Or consent Please Help Me Contact The Creditors And Request Written Documents And Permission Signature From Me This Is A Voilation Of My Consumer Rights And This Needs To Be Handle Accordingly. PLease HELP ME CHANGE THE ADDRESS ON MY REPORT.. 

FCRA VIOLATION BY FCRA LAW CODES : CREDIT REPORTING AGENCIES HAVE TO REPORT ACCURATE INFORMATION ONLY On A CONSUMER REPORT ( 15 USC1681B ) ( 15 USC1681N ) -ANY WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUS A PERMISSIBLE REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} WHICHEVER IS GREATER..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I reached out to Mohela because I have land that are part of the XXXX XXXX XXXX XXXX XXXX XXXX and I wanted to get the status of those loans that's supposed to get discharge but they keep telling me too contact studentaid. Gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the Creditor XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX  Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, 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 explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 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 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
Im XXXX XXXX XXXX and received orders to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to my lease being up in my apartment at the time. I worked with my landlord and provided them with my XXXX XXXX orders for the XXXX  ( gave at least 3 months notice ) and ensured the apartment was well taken care of the entirety of my residency there. I had renewed my lease once while I was there and loved it. Still, I moved out, gave them back my keys, bought a house in the new state I moved to, and everything was fine. About a year later I see theres a collection on my account and it says its from XXXX XXXX  my old apartment complex for XXXX XXXX I reached out directly to the complex because I had always been in good standing with my landlord, never caused issues, and kept my apartment nice. The receptionist basically gave me no information and just said to mail them a check for the XXXX and gave me their address. I said I wanted an itemized receipt of what this was for, Im not paying money I shouldnt owe. I paid my last months rent before moving out and turning in my keys as well as them doing a move out inspection. There was nothing noted for a whole year and nothing stated wrong at the move out inspection. I thoroughly cleaned the place and it was just me living there. Im an extremely clean and tidy person. They said it might be due to remodeling the apartmentI again said I wanted an itemized receipt and XXXX not paying this as thats unfair. I wasnt even sure I could dispute this. Was given no information other than a simple you have to pay this or else. At no point did they mention that disputing was an option, they just sent it directly to a collection company who I was never contacted my in the first place. I had to find the name from my credit report. They have never responded to any of my inquiries for what exactly ( itemized ) the debt is for not how or that could dispute. This just seems wrong and its ruining my credit and my life. I cant even apply for housing if I inevitably move because XXXX XXXX. I had to explain this due to my secret clearance as well and have been unable to renew a clearance. Ive lived in apartments for years before getting my current house where I now reside and I have never been delinquent with a landlord for rent or anything of the matter. Im at a loss on what to do to rectify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the XXXX XXXX XXXX XXXX XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX XXXX XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
UPON MY PULLING MY THREE CREDIT REPORTS, NAMELY XXXX, XXXX AND TRANSUNION I NOTICE SOME FRADULENT ACCOUBTS ON 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 2024-07-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
UPON MY PULLING MY XXXX CREDIT REPORTS, NAMELY EQUIFAX, XXXX AND XXXX I NOTICE SOME FRADULENT ACCOUBTS ON MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have unauthorized Hard inquiries on my credit report. That needs to be removed A. S.A. P.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OH

Complaint narrative:
I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX Account Number : 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Specialized Loan Servicing reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my XXXX XXXX. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX  payments from my financial institution? I logged into XXXX to see if the same false report was in their system, and XXXX system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen XXXX XXXX restored and the years of damage to my XXXX XXXX restored as a on-time paying homeowner since Specialized Loan Serving acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX Bank reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by Specialized Loan Serving, LLC. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXXXXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my credit score. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX payments from my financial institution? I logged into Equifax to see if the same false report was in their system, and Equifax system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen credit score restored and the years of damage to my credit score restored as a on-time paying homeowner since XXXX XXXX XXXX acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX XXXX reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by XXXX XXXX XXXX, XXXX. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
GOT EMAIL NOCTICE FROM TRANSUION AND XXXX OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/2024 TRANSUION XXXX XXXX XXXX  ON XX/XX/2024 TRANSUION XXXX ON XX/XX/2024 TRANSUION XXXX  XXXX XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS 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 non-monetary relief
Consumer complaint received 2024-07-21 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 account with account # XXXX opened on XX/XX/2017 and a balance of {$710.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent in numerous disputes regarding this account, with proper documentation and up to date data. Both of these companies refuse to even pay attention to what I am writing to them. Every reply is that they are accurate when I am not disputing the accuracy. My dispute consists of a totally different issue from accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX XXXX XXXX immediately thanks.

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