vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: Freedom Mortgage Company
State: LA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late the entirety of the Freedom Mortgage loan. I've attached a copy of my report to this complaint on the following date XXXX XXXX. I am now requesting you to investigate and provide variable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated and paid on time immediately. Thank you for understanding and prompt 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 2024-04-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I believe I was misled by the original company that I signed up for the reverse mortgage that went bankrupt and was taken over by Carrington Mortgage Service LLC Under the original contract there was to be interest growing for the future as I was led to believe beside the asset value of my house. But I have NOT seen such reporting on any of the reports since Carrington took over and I have asked them to explain. And I have not heard back from in more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-10 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-10 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:
I am submitting this to assist in the removal of items that have been disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am submitting this to assist in the removal of items that have been disputed

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 2024-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Triton Recovery Group
State: UT

Complaint narrative:
A debt collection company has been harassing me and my mother regarding a debt that my father has taken out for his business. Me and my mother are not associated with his business, and this agency has been contacting both of us threatening legal action, making vague threats, telling us the exact amount my father owes, and acting aggressively in general towards us both who are not involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-04-10 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The vehicle was purchased by and awarded to my ex-husband in the final judgment of our divorce. He decided that he didn't want to keep the vehicle and arranged for Credit Acceptance to repossess the vehicle. I was contacted by Credit Acceptance and informed them of the above information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — FHA 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: AZ

Complaint narrative:
The CSR at mortgage company couldn't find the date we were late, also please add the following to complaint XXXX, they are now calling us each and everyday to tell us that we now have a late payment, when we are not late. Same as the past several years and we call mortgage company they stated to ignore the call each and every time. 
Also we are paying a XXXX fee / charge / other - that has never been addressed by mortgage company, we complain about the fee and try to find out what it's for they once again don't know and tell us that they will call us back but never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX  was my mortgage company. Mr. Cooper bought my mortgage from them. I received no information about this from anyone, and it wasn't until about XX/XX/2024, that I noticed my mortgage payment had not been deducted from my bank account. I logged into my online account with XXXX XXXX and learned that my account was closed and that my mortgage had been sold to Mr. Cooper. I received no information from Mr. Cooper and did not communicate with them in anyway. I never authorized Mr. Cooper to charge my bank account for any payments. On XX/XX/XXXX, Mr. Cooper charged my bank account for my mortgage payment {$2300.00}. I had no knowledge that this payment was going to occur and I never authorized them at any point to charge my account. I called them and they claimed they were allowed to do this. I called my bank ( XXXX XXXX ) and disputed the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NY

Complaint narrative:
I was a victim of identify in XXXX Someone has been using my information for credit, unemployment benefits and tax purposes. This collection company shows up on my credit report and When I called to dispute because it does not belong to me, they indicated to write to you and once the report was generated to send to them. they claim that this is a utility company where services was given to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX. 
The information for this account matched my social name and date of birth. I have never lived in the XXXX XXXX XXXX I have been living at my current address in XXXX for the past 18 years and I have no recollection of whom would use my information. I need this removed from my credit bureau, as it is affecting me to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
wrong address and name also wrong amount for credit cards

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not able to see my credit report on a few various reporting platforms.

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 2024-04-10 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: FL

Complaint narrative:
I am not able to see my credit report on a few various reporting platforms.

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 2024-04-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I purchased my home in XX/XX/XXXX. It had a first and second mortgage. When I filed bankruptcy I think in XXXX, I included the second mortgage. The second was around {$30000.00}. The first was {$100000.00} initially. Here it is XXXX  years later and I'm being told I owe {$120000.00}, when the original was only {$100000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2024-04-10 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.

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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I asked my client to request a Letter of Authorization from Midland Mortgage. My client sent me a signed copy of the Letter of Authorization completed by him for me to complete and submit to Midland Mortgage. The Letter of Authorization asks " Is the authorized party charging for their services? I responded yes. After I contacted Midland Mortgage they told me my authorization was denied nut would not tell me why and the only communication between them and me would require that the borrower be on the call. I have been doing loss mitigation for more than 30 years. I went through training in XXXX  when the XXXX XXXX XXXX XXXX rolled out new guidelines after HUD dismantled the assignment program. during that time I have NEVER seen a Letter of Authorization ask if the the authorized 3rd part charges fee for their services. At the same time I've never been denied authorization when a borrower has given me written permission to do so. Midland is clearly interfering with commerce by providing a letter of authorization that asks if the borrower is paying a fee for services rendered. The fact that borrower came to me is because they attempted bankruptcy because of the threat of foreclosure by the lender and were unsuccessful. There is no question that attorney representing the borrower in the bankruptcy charged a fee for their services. I believe that this federally chartered institution has impeded my ability to earn a living with their actions and such actions should not go unchecked.

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