vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
Hello, I have right of survivorship with my x-husband, XXXX XXXX, XXXX on a property located at XXXX XXXX XXXX, XXXX, VA XXXX for which he has a mortgage loan # XXXX through XXXXMovement Mortgage that is only in his name. 

On XX/XX/XXXX of this year, XXXX passed away and then the estate attorney discontinued payment of the mortgage, indicating my right of survivorship made me responsible ; however, I had NO information at that time about the loan. 

I eventually was able to get family members to provide some info and I began contacting XXXX and Movement via phone and email. 

The customer service people had me send proof of XXXX ' passing so that I could begin the process to become Successor in Interst, so that I could bring the late payments to current and continue paying the loan. 

After I sent the obituary and answered all questions- Movement mortgage still will not communicate with me or allow me to pay the loan up. 

I fear the loan will go into foreclosure while I'm trying to get them to allow me to make payments. Is there anything that can be done? 

I use XXXX and I am not able to figure out how to " save '' my emails so I can attach them for your reference, but the email is XXXX and the last person I spoke to yesterday was XXXX @ XXXX XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXXXXX XXXX  is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.

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 2022-07-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record. 

I obtained my credit reports on line. There was a XXXX S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: WI

Complaint narrative:
I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record.

I obtained my credit reports on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

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 2022-07-08 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: PA

Complaint narrative:
Ive Noticed inquiries on my credit profile that I do not recognize!! From the following companies : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX- XX/XX/XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/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 2022-07-08 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: SC

Complaint narrative:
Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, 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 2022-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and noticed 5 hard inquiries on my Equifax report. I called Equifax to have them removed because they were not authorized by me. The representative removed 2 hard inquiries with XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. He said he was unable to remove the other three, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: KS

Complaint narrative:
On XX/XX/22, I spoke with a party who is interested in buying my home from me. They requested I reach out to my Mortgage Company, 21st Mortgage, to inquire about Assuming the loan vs them finding their own financing. I reviewed the original contract signed at closing, and found that the clause implies it is possible for the Note to be assumed by another party/entity. On XX/XX/22, I called the mortgage company and requested them to explain to me what the process would be and what would the interest rate be if that person were to assume the note. The Financial Counselor did not hesitate to state that their company does not allow XXXX XXXX I pointed him to the contract. He stated that the contract was the original contract and that it only implies that it may be assumed. I corrected him and stated that the use of the word may is traditionally used in contracts and does not mean that they do not allow it. He offered for me to speak to his supervisor. We spoke and I got the same response. I am writing a formal complaint against this lender for unfair practices and not honoring the contract terms. I also am submitting for fraud as their website discusses the possibility of Loan Assumption under their Financial Hardship options. The Financial Counselors Supervisor also did not accurately portray what a Loan Assumption is as there are different types. Instead, he focused on one and tried to make it sound like they are protecting me, the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
In accordance with a Fair credit reporting act [ KOHLS/CAPONE ACCOUNT # XXXX ; XXXX  ACCOUNT # XXXX ; has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX ; XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A 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 the payment on a credit card account or mortgage account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I got a email from them stating that I had opened a Milestone Credit Card. I had not applied for this. I called the company and they closed the card. 

Email Sent to me : XX/XX/22 Card opened for XXXX. 

Called company XX/XX/22 They closed the account. 

No money spent or taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage had spoken with me about my payoff back in XX/XX/XXXX. It was supposed to be XXXX. But now as of today XX/XX/XXXX the payoff was XXXX. I had my loan in deferment due to Covid but elected to pay back in payments, not a lump sum. They took the sum from my payoff. About XXXX total without any consulting with me or notice. They also did not explain this process to me when they explained the COVID forbearance action.

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 2022-07-08 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: CA

Complaint narrative:
XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

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 2022-07-08 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: CA

Complaint narrative:
XXXX XXXX XXXX deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CA

Complaint narrative:
XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report XXXX XXXX saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report XXXX Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a collection account on my record. I am victim of identity theft and I sent Equifax a copy of police report. They requested additional information to verify my identity and it was sent. They have not removed the collection.

Company response to consumer: Closed with explanation