vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
My mortgage was transferred to Rightpath mortgage company in XXXX XXXX. When I make my payment, Rightpath will not allow me to make additional payments to principal. The reasoning they are giving me is that back in XXXX I had some fees applied to my mortgage as my mortgage went into foreclosure which I have not missed a payment once I brought the account out of foreclosure status. ( approx 10 years ago ) What they are telling me is that I need to pay those fees 1st before they will allow the additional payments to principal, that they go by a " hierarchy '' when applying payments. I have been applying additional payments to principal for years. No other servicer has denied this in the past and I believe I have had 4 different servicers at this point. They are changing the terms of my contract and I believe they are doing this illegally. I have called several times to get this resolved to no avail. I would like a resolution to this matter not only for myself but for anyone else dealing with what I believe is a fraudulent practice by RightPath.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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:
The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: PA

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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: CA

Complaint narrative:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} , DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-11 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: Self Financial Inc.
State: CT

Complaint narrative:
PLEASE DELETE THIS ACCOUNT I HAVE NO LIABILITY AND THIS WAS UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 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 explanation
Consumer complaint received 2022-10-11 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason XXXX Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cashapp was hacked and the hacker sent funds to their account. There are several reports about this account and cashapp still allowed the user to operate and steal funds. I have not recieved my money back for this unauthorized transactions. The user has multiple accounts and changed his name to defraud more people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by MIDLAND FUNDING. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. 

MIDLAND FUNDING have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verfiying MIDLAND can legally collect, and proof that MIDLAND is the current holder of the instrument. 

MIDLAND is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet MIDLAND FUNDING is the company listed on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-10-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
XXXX is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in XXXX when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXXXXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX , Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: PA

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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX  XXXX, Accounts name XXXX XXXX  XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 explanation