vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: CT

Complaint narrative:
On XX/XX/XXXX I was served Forclosure documents when I was unaware of one. Court documents dated XX/XX/XXXX. 
I have requested payoff statement online and via phone on XX/XX/XXXXXXXX  and other future dates from mortgage company. I put My house on the market on XX/XX/XXXX. I am due to close on XXXXXXXX  I did not recieve any information regarding a Forclosure risk. I was informed by mortgage company today that my forbearance ended XX/XX/XXXXXXXX  and they referred my loan to a Forclosure lawyer on XX/XX/XXXX. 

I spoke to the judicial court civil clerk where the Forclosure I was served was filed. They informed me that nothing has been filed just yet & I do not have a docket number. I only have a return date of documents of XX/XX/XXXX. 

I have spoken to the mortgage company on many occasions. Asking how can this be possible that I am on forbearance. 

They advise me that recieved my attorneys most recent pay off requests dated earlier this week in response to the Forclosure  and they were pending their Forclosure attorney to add his fees before getting it back to my attorney. 

We recieved new updated pay off which includes the following : Principal Balance {$210000.00} Interest from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  {$21000.00} Escrow Advances {$17000.00} Property Inspections {$95.00} Recording Fee {$70.00} Outstanding Attorney Fees and Costs through XX/XX/XXXXXXXX  {$2200.00} Total Payoff Amount Due as of XX/XX/XXXXXXXX  : {$250000.00} Please note that this payoff quote expires on XX/XX/XXXX. 

Please not that my prior payoff was as follows : Principal Balance : XXXX Amounts : Deferred Principal Balance* : XXXX Interest Calculated to XX/XX/XXXXXXXX   : XXXX PMI/XXXX Premium Calculated to XX/XX/XXXXXXXX   : XXXX Escrow/Impound Advance Balance : XXXX Late Charge Balance : XXXX XXXX Anticipated Late Charges : XXXX Optional Product ( s ) : XXXX Prepayment Fee : XXXX Statement Fee : XXXX Release Fee : XXXX Expedited Delivery Fee : XXXX Fees Currently Assessed : XXXX Unapplied Funds Retained : XXXX Less Unapplied Funds : XXXX Less Escrow Balance : XXXX TOTAL AMOUNT DUE : XXXX Any and all information and guidance will be greatly appreciated. 

Thank you, 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 monetary relief
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
Dear Experian XXXX I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX  XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.

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 2023-10-13 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: PA

Complaint narrative:
Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of {$1000.00} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of {$1000.00} ( {$1000.00} per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of {$1000.00}. 

This matter is of extreme urgency. Experian has a period of 10 business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.

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 2023-10-13 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: NY

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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 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 2023-10-13 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: NY

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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
Consumer complaint received 2023-10-13 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: NY

Complaint narrative:
Social security number is XXXX My complaint is that equifax has not removed all the hard credit inquiries they were not authorized I filed a federal trade commission identity theft report listing all inquiries and also on my report there's one negative account that shows 90 days late its a fraud account XXXX please have equifax removed the one negative item and the hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX, XXXX, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified 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 non-monetary relief
Consumer complaint received 2023-10-13 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21.00} XXXX XXXXXXXX XXXX Balance Owed : {$65.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$740.00} XXXX  XXXX XXXXXXXX Balance Owed : {$90.00} XXXX  XXXX  XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21.00} XXXX  XXXX XXXX Balance Owed : {$65.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$740.00} XXXX  XXXX  XXXX Balance Owed : {$90.00} XXXX  XXXX  XXXX Balance Owed : {$9.00XXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: OH

Complaint narrative:
I was using a third party to pay my debts the 3rd party made a settlement agreement with the company and the payments were paid as agreed. The last payment was made in XXXX of 2019. It has been reported late and owing ever since. The third party Debt settlement company has for the payment completion letter, they have ignored the request. This has caused harm to my credit report. Each time I dispute it and then they state the info is incorrect it tanks my credit anywhere between XXXX points. I have had credit taken away when the last dispute came back as the information was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I had insurance during hospital visits and Im being charged for bills that were covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 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 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 2023-10-13 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: VA

Complaint narrative:
In accordance with the Fair credit reporting act convergent. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 adverse item of information, other then records of convictions of crimes which antedates the report by 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