vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I accessed the Carrington Mortgage Company 's mobile app to process a payment. The mobile app showed that my mortgage was up to date with payments. I called in to the company on the XXXX at XXXX am ( XXXX  ) to have them look into the account because I was not sure that this was accurate. Upon them looking into the history, they related that the forbearance plan that I had begun the previous year, came to its closing date and the leftover funds in the plan were applied to my outstanding balance. This amount covered my XXXX and XXXX payments, along with some outstanding late fees and ended up with an extra balance of around {$980.00}, which they stated was applied directly to the principal. They assured me that the account was current with nothing further outstanding, so I utilized those funds to pay other debts that were due. On XX/XX/XXXX, XXXX investigated further and they claim that there was not in fact any funds left from my forbearance, but rather that they erroneously credited my account with another borrowers mortgage payment. They relate that they then reversed what had been applied to my account and they have now set me 2 payments behind. When I contacted them on XX/XX/XXXX at XXXX ( XXXX  ), their response was that even though it was their fault ( which they admitted multiple times ), they would not be doing anything to remedy my situation. When asked what options were available, they offered me a repayment plan ( $ XXXX more a month than my regular monthly payment ) for a 3 month period to come current. They also advised that this plan would incur late fees, which they refused to wave even though this all as a result of their mistakes. Carrington Mortgage Services is an incredibly predatory lending service. They have flat out refused to remedy anything that was of their doing. 

Prior to this I also had an issue with the forbearance agreement that I entered into with Carrington in XXXX of XXXX. During my forbearance, I was told that I would no longer incur late fees, however when I contacted them in regards to paying my total amount due ( XXXX of XXXX ), it included over {$600.00} in late fees that had been assessed. When this was questioned, I was told that these were assessed to the account during forbearance because the amount due was still late. They advised me that it did not have to be paid to bring the account current though as late fees don't have to be paid until the loan maturation date. This has been an issue I have raised with them on multiple occasions and they refuse to remedy this issue, much they have done with my recent payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
Hello, I have many old charge offs from private student loans. The worst of them is XXXX. They have incorrectly reported my first date of delinquency. 
And payments are being shown as made, account current, or just plain no data showing at all. All these charge offs are XXXX XXXX XXXX and I have the payment history proof from my navient account to prove it. Most have a first date of delinquency as XX/XX/XXXX. A couple have XX/XX/XXXX. Both of which are old and should have fallen off. Experian and XXXX are showing a XX/XX/XXXX drop off date, which is incorrect. Please help me. 
This has ruined my life for so long. I have current disputes out through a credit repair company since XXXX with no luck, so I have recently disputed myself online. I have submitted my last payment made navient documentation so it should be a no brainer I dont understand. 
There are other private student loan issues. 
One account is very old with a first date of delinquency as XX/XX/XXXX but they keep reporting missed payments as newly missed reaging the debt. Account is XXXX. Another is XXXX and XXXX, also with original dates of delinquency in XXXX but they are showing XXXX, and I have no access to my account anymore to prove it. 
Please help me. These charge offs are so old and need to be removed. These loans were taken out as a student as early as XXXX. And the rest of my credit has been responsible after I got a good job and paid off what I could. Thank you. so much for helping 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Attached is an account that I saw on all 3 of my credit report. And the debt has {$0.00} balance and according to statue of FCRA limitations this debt has expired and is unlawful to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions.

The credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
My mortgage bank will not report my payments to the credit bureaus. They said they legally need the reaffirmation document from a bankruptcy 15 years ago. I must have forgotten to get that document to the bank holding my mortgage at that time. But they said that even if I could get that document they could not promise me they can do anything anyways because it is so old. My bankruptcy lawyer said they can not do anything either because it is so old also. I have faithfully paid my mortgage on time for 20 years. 5 years with the current bank M & T, 5 years with XXXX and 10 years with XXXX XXXX XXXX which was the original holder. Is there anything you can do to at least cause the current mortgage holder M & T bank to record the last 5 years to the credit bureaus?

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 2024-04-23 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of 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 2024-04-23 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 do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, Transunion  and XXXX data breaches and identity theft.

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 2024-04-23 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: NJ

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  inquiry date XXXX/XXXX/XXXX XXXX inquiry date 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 2024-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the conduct of XXXX, a telecommunications company, regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX 's disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge the CFPB to investigate this matter promptly and take appropriate action to ensure XXXX 's compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and XXXX XXXX XXXX  account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted XXXX more they furnish me with a letter to contact the following credit bureaus Equifax XXXX XXXX XXXX and XXXX that they furnished this inaccurate data. At that time I filed disputes with XXXX, EQUIFAX, and XXXX  on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my XXXX credit report file number XXXX and my XXXX credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have XXXX letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.

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 2024-04-23 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: FL

Complaint narrative:
They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.X

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint to COMENITYBANK WAYFAIR alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet COMENITYBANK WAYFAIR has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, COMENITYBANK WAYFAIR may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with COMENITYBANK WAYFAIRs failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: VT

Complaint narrative:
TODAYS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VT 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