vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I asked Rocket mortgatge for an explanation and reason for transferring my mortgage and they refused to answer the question. I want it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — FHA 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: LA

Complaint narrative:
My mortgage payment was returned due to insufficient funds, being I had Fraud on my checking account and had to open a dispute with my bank.I called Carrington mortgage with no help numerous times.Just to make a new payment which I did and also showed I have disputed charges pertaining to my account for fraud.I asked to have the negative remark taken off my credit report being not due to my own fault was out of my control. After I sent Proof its being disputed for fraud which now my bank has returned funds and I showed Carrington.They said its not proof, instead of helping the customer they hurt them.I had a data breach due to Carrington so they could also be part of my fraud situation being people obtained my information from them. Terribly stressful situation they have made 10 times worst, They have numerous lawsuits all the time and I did not chose the for my mortgage and would never open and acct with them willingly, we were transferred unfortunately and nothing but problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

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 2024-09-20 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: GA

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX  XXXX Balance {$8800.00} XXXX XXXX XXXXalance {$25000.00} XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}

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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I had an account with Revoult for a year now. Randomly they shut down my account and told me to withdraw. I have {$440.00} in their robo-investing account and they will not allow me to withdraw it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 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:
XX/XX/XXXX XXXX  Hard inquire was added to my credit report without my knowledge, also another XXXX inquire was added to my credit report XX/XX/XXXX which was XXXX XXXX. Highly disappointed that this has taken a toll on my credit and prevents me from making better financial decision, would need this problem resolve and would like to move on financially.

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 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was informed from sofi that resurgent owns my debt but I didnt receive a notice from this creditor. I just found out from my credit report that LVNV funding LLC owns my debt but I didnt receive any notification or did I have an opportunity to validate the debt. Please resolve issue please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
mr cooper overcharged and imposed extra amount on my account for several consecutive months constitute a violation of our loan agreement and California consumer protection laws, as well as California Civil Code 3300. 

mr cooper only corrected and notified of their errors when I filed complaints with you and Attorney General 's office. 

As result of their breach and overcharging me in violation of the terms of the agreement for several months I asked mr cooper the following : Compensation not only for the overcharge but for the stress, emotional strain, time spent and other associated damages that I have suffered due to the mishandling of my loan account and time spent communicating with your company. The exact scope of your violations and their impact may not be fully known to me at this moment, which is why I am requesting a thorough and fair settlement. 

1. Financial Overcharge Compensation : {$45.00} 2. Compensation for Time Loss : {$1200.00} 3. Emotional Distress Compensation : {$3700.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Filed Complaints within the United States Supreme Court and FBI. Involved SSA and Office of Inspector General. Provided Hardcopies to Congress Judiciary Committee and received ONGOING status or No reply just Remarks on Law Enforcement and Third Party surveillance. Illegal Activity and Political Corruption involving my Identity and Personal Data breaches including additional surveillance ( National Reconnaissance Office ). Banks embezzling funds and using fraudulent Credit scores for increased principal and Interest Rates. SSN is most commonly involved with everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hunting 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 2024-09-20 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:
An XXXX loan came up on my credit report a couple of years ago and I immediately disputed it as not mine because I didnt use affirm. I have since disputed it between XXXX times through Experian and each time it comes back as confirmed and I have been given no information as to how this is mine. After dealing with Experian I called XXXX directly and asked for the information showing that this was my account and they refused to provide anything showing that this belonged to me. I was told by XXXX XXXX XXXXimes now that they are doing an internal review of the case and I would be contacted in XXXX days. In each of those instances I never received a call back nor have I ever received any of the information I requested that shows they are claiming this is my debt. I finally got fed up and told XXXX I would just pay it because its such a small amount and they declined that option and said they are doing an internal review to determine and send me the information I requested. Ive yet to receive that. Even during the course of the dispute XXXX reported every month as a charge off all while Im being told they are investigating. It is such a small amount I would have had no issue paying it but this is not my debt to pay and I am frustrated with getting no where with both Experian and XXXX on getting this solved and off my credit report. I dont have any information to attach below because I have not been sent any that shows this is my debt even after the XXXX times I have requested them to provide it.

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 2024-09-20 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: CT

Complaint narrative:
In accordance with the fair credit reporting act account # XXXX has XXXX 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-20 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: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I disputed the item on my credit report because I had filled out a hardship application through XXXX XXXX and qualified for the program this was taken off my credit report XX/XX/year> now XXXX XXXX they reopened it Consumer AdJ company XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
New servicing company took over my loan in XXXX XXXX  Since then, the payments were posted then unapplied to the loan. The website will say one amount is due, the mailed statement would say differently. When I speak to an agent, they can't explain it and tell me someone will correct and get back to me. No response. I emailed using their website, the only response I get in the mail weekly is we are working on it. 

Attached documents provide details of issue and proof of payments.

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 2024-09-20 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-20 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-20 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 credit bureaus XXXXXX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX  and contacted the police department and obtained a police report XXXX XXXX which both are attached. 

Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, 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 2024-09-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
this letters complaint to fixed and delete inaccurate and misleading accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief