vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.

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 2024-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XX/XX/XXXX - Payment Received of XXXX XX/XX/XXXX - Payment Received of {$2300.00} XX/XX/XXXX - Payment Reversal for {$4700.00} which was not received back to me based on my bank statements. 
XX/XX/XXXX - Payment Received of {$2600.00} XX/XX/XXXX - I called to make 2 payments and was told the amount of each payment was {$2500.00} for a total of {$5100.00}. I wired the money over and was told to call back in a day to have my unapplied funds moved to the XXXX payment. I called back on XX/XX/XXXX to complete the payment transfer and was told I did not have enough funds because my XXXX XXXX was {$3100.00}. For the last 2-3 months I have been told several different mortgage amounts : {$2400.00}, {$2500.00}, {$2400.00}, {$3100.00}, {$2800.00}, and today XX/XX/XXXX @ XXXX {$3200.00}. Since XX/XX/XXXX I have paid out a total of {$26000.00}. That would be {$2900.00} monthly which can not be my actual mortgage payment. This has been emotionally draining and beyond frustrating as well as a huge financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
According to my most recent credit report, your company is continuing to report unauthorized inquiries even after my dispute letter that was sent on XX/XX/2024. I did not grant any organization authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The creditor and the CRA 's failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I am once again demanding that the following inquiries are deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN , XXXX XXXX XXXX EXPERIAN 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 2024-04-22 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts : XXXX # XXXX ( XXXX XXXX ) XXXX XXXX XXXX  # XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX # XXXX ( XX/XX/XXXX ) XXXX XXXX # XXXX XXXX # XXXX I ASK FOR THESE ACCOUNTS TO BE VERFIED BY LETTER OF MAIL 4 MONTHS AGO AND HAVE NOT RECEIVE ANY RESPONSE SHOWING STEP BY STEP PROCESS VERIFYNG THESE ACCOUNTS. AS SHOWN IN THE FCRA SEC 609 AND 611, ALSO PUBLISHING ON MY CONSUMER REPORT WITHOUT MY PERMISSION.

IF THESE ITEMS ARE NOT RMOVED I WILL BE FORCED TO FILE A SMALL CLAIMS WITH THE ATTORNEY GENERAL AND SMALL CLAIMS COURT TO SUE FOR 1000 A DAY PER VIOLATION

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 2024-04-22 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: IN

Complaint narrative:
I reach out over the phone to XXXX XXXX XXXX, their reps had not a clue! What to " Do '' or Say!! I'm totally speechless!! As, I personally feel under attack by been informed by XXXXXXXX XXXX that Experian and XXXX XXXX XXXX has exposed my personal information out on the dark web! 
I received email of way that they can monitor my personal information! Huh so they can monitor my information but not protected it! " .WHAT A BEAUTIFUL CONCEPT '' ... SO, WHATS 'S REALLY HAPPENING. THAT MAKES ZERO SENSE TO ME ..BE SEEMS LIKE A REVENGE TAACTIC TO ME!! WHAT NEEDS TO FIX. I NEED TO KNOW, WHAT PASSWORDS NEED CHANGING

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 2024-04-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 hand written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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. 


I told XXXX and Equifax to reinvestigate these accounts! 
XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I closed on my loan with Mr Cooper on XX/XX/XXXX XXXX- I requested the escrow and excess funding to be sent to my new address which was located on the closing docs. I had to have someone else call in on their number as each time I called in I got the automated system- I spoke with XXXX  on or about XX/XX/2024 at Cooper mortgage who communicated that they sent payments to the property address which is not where I live nor on the closing documents- I then again updated my address information to which she stated that the checks would be updated and mailed to my current address at XXXX XXXX XXXX XXXX Ohio XXXX- As of tis date I have sent via email several notices for them to direct deposit the amount in my account as they communicated to expedite the process. They continue to refuse to send payments to me for teh escrow and remainder balance in the amount of {$820.00} and should be with interest as we are beyond a month of paying this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. In 2019 my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXX XXXX Police XXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit XXXX reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexusNexis had previously stated that they would remove items from my car insurance report. My insurance pulled my insurance score card and everything is exactly the same. They have done nothing to what they said they would. Original CFPB claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all 3 bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called in while someone was taking money out of my account. The rep advised that they saw the transactions and started the review. Then I was told that they feel I had something to do with it because someone used my pin number when making the purchase. The purchase was in California and im in Texas so advised it was not me who made the purchases. They advised that they would not refund me because of this. Even after confirming that they are aware that simmers of your card can provide the card number and the pin. At this time they have taken out funds in my account to cover the cost of a purchase I didnt make.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Credit Report XXXX XXXX XXXX of Bankruptcy XX/XX/2023 Bankruptcy Type XXXX XXXX Creditor Name Equifax I believe that this bankruptcy information is incorrect for the following reasons : it does not belong to you. I never filed a XXXX  XXXX bankruptcy in XXXX of XXXX  I request that you investigate this matter and remove the inaccurate bankruptcy information from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the necessary corrections have been made to my credit file. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or clarification.

Company response to consumer: Closed with explanation