vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, PHH Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all 3 major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with PHH for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a PHH representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2024 I submitted for a Hardship Withdraw through the Merrill by Bank of America website. On both the website and the inbound IVR, I was to be contacted if any additional information was needed. I checked the web portal multiple times with no update. I then logged in on XX/XX/2024 to see that the request was denied. There was no advisement as to why, and I was made to call into the call center. I spoke with a Supervisor named XXXX, who was combative, demeaning, and dehumanizing on the call. She advised at first that the document was " incomplete ''. Then when challenged, she stated that they did not " see the landlord information ''. When challenged again, she then stated, " well, there is no phone number ''. 

I then pointed out that it was a Court Document, and that it could not be altered in any manner. I even offered to give the information directly to help expedite the process. She ( XXXX XXXX declined to receive the information. I was repeatedly denied for this claim until XX/XX/2024, when Merrill took a document that was subpar as supporting documents. I was then told I would have to wait for 10 business days for a check that I am being charged to have overnighted. As the funds were needed to stave off Eviction processes, I am now facing homelessness due to the neglect and wrongful processing of the Hardship Claim.

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 2024-04-19 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: NE

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is outrageous! Despite my repeated attempts to rectify the inaccuracies on my credit report, the errors persist unchecked. It's unacceptable that my creditworthiness continues to suffer due to these unresolved issues. I demand immediate action to correct these errors and restore the accuracy of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: AZ

Complaint narrative:
Koalifi/XXXX XXXXXXXX XXXX XXXX me approximately {$3300.00} to have my vehicle repaired and I could get back to work. They told me the interest rate was 25 %. That's what I agreed to. I noticed out of making weekly payments for about 2 years that it seemed a long time so I tried to get in and look at my account. Each time I tried to get into my account. They were supposed to email me a code and each time they didn't email it. Eventually I got in and noticed that I had paid them approximately {$6400.00} which is over twice what I borrowed. Now they're telling me that I agreed to pay 2 and 1/2 times the amount borrowed back. I believe this is unfair and not accurate. They're still trying to get more money out of me which I will not pay since I paid over twice of what I borrowed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I think FCRA 605B says we need to delete incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in reporting, amount, and dates.

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 2024-04-19 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: CA

Complaint narrative:
Hi, Recently, I come to Know through Experian credit score check up that XXXX XXXX XXXX made 3 different credit cards using my social security number without my consent. 

Credit Card XXXX XXXX : Opened XX/XX/XXXX and left a balance of {$840.00} and closed it on XX/XX/XXXX. So that balance is still on my name. 
Credit Card XXXX XXXX  : Opened XX/XX/XXXX and did some transaction themselves. Then paid in full or write off the balance and closed it XX/XX/XXXX Credit Card XXXX XXXX : Opened XXXX XXXX XXXX XXXX XXXX. Also did some transactions but paid or write off the balance not sure. 

They also created my new name by adding a fake middle name in my name. Also change my last name and created a third fake name. 

I am not sure who but probably they also added a new job ( not mine ) and new home address ( not mine ). 

I respectfully request to order XXXX XXXXXXXX XXXX to issue the refund of {$840.00} and clear these three fake credit cards from my credit history. These fake credit cards drop my credit score for about XXXX point negative. Also please charge XXXX XXXX XXXX a good penalty so that they learn they lesson and never use consumer social security number to make fake credit cards without their consent. Please compensate me in that penalty since because of these, I have to spend so much time to clear my credit history. 

Thank 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: WI

Complaint narrative:
ON THE DAY OF XX/XX/year>, I AS ON A CALL WITH XXXX XXXX TRYING TO FIGURE OUT WHAT HAPPENED WITH MY MAIL, IN THE CERTIFIED MAILING PROCESS. I WAS ABLE TO REACH OUT AND TALK TO A REPRESENTATIVE ABOUT THE MATTER! SO, I WAS ABLE TO GET THEM TO REACH OUT TO THE OTHER POSTAL STATION IN THE AREAS THAT LETTERS WERE MAILED. THIS PARTICULAR LETTER WHICH WAS THE MORE KEY THAN THE OTHER ONE 'S WERE. AS I RECALL I GOT An EMAIL BACK FROM THE XXXX XXXX FROM XXXX, CA XXXX XXXX XXXX  AND THE AGENT 'S NAME HAPPENED TO BE XXXX XXXX XXXX # XXXX. UPON RECEIVING AN EMAIL, SHE REACHEDOUT TO PERSOLVE LEGAL LLC AFTER ASKING ME IF THAT WAS OK. SHE RETURNED A CALL BACK TO ME WITH An AGENT FROM THEIR COMPANY ON THE PHONE, REQUESTING MY APPROVAL TO LET THEM KNOW IT WAS OK TO LET HER KNOW THAT THE MAIL WAS RECEIVED. AS I GAVE THE INFORMATION, SHE ASKED FOR TO LET US KNOW THAT THEY RECEIVED IT SHE BEGAN TO DISCUS A DEBIT MATTER WHICH I LET HER KNOW THAT THIS WAS ONLY A CALL FOR ACKNOWLEGDE OF RECEIVED MAIL. SHE BEGAN TO GET INTO MORE DEPT WITH HER TRYING TO FORCE MORE CONVERSATION ABOUT A DEBIT SHE CLAIMS I OWE ALSO, RAISING HER VOICE BASICALLY TELLING ME TO STOP MEANING SHUT UP/LIAR IN A HIGH-TONED VOICE STILL TRYING TO ENLIGHTEN THE XXXX XXXX LADY ABOUT PERSONAL INFORMATION ON WHICH I HAD TOLD HER NO IN THE FIRST BEGINNING... THIS IS A THIRD-PARTY BUSINESS MATTER AS WELL AS HARRASMENT OF LANGUAGE AS WELL AS SPEAKING FALSE INFORMATION UPON MY MATTER BETWEEN THEM WHILE IT WAS RECORDED ON THE XXXX XXXX  LINE THE CONVERSATION LASTED FROM XXXX XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am submitting this complaint because the account I requested an opening for was not properly managed, and I have lost thousands of dollars of interest I would have gained on my investment if the account opening were managed properly. This was a case where a ) my account type opening was not honored, b ) the upsale of the financial product that I was sold was not clearly indicated, and c ) the bank representative clearly took advantage of the fact that I could not speak perfect English despite understanding how financial products work. My daughter is writing this complaint for me on my behalf to relay the problem in clear English. 

In XX/XX/year>, I went to a Bank of America branch to open a Money Market account. The bank branch representative indicated that a XXXX XXXX account would yield approximately 5 % in returns on my initial deposit. As a result, I opened the XXXX XXXX account and made the minimum initial deposit requirement for this account. Afterward, I had gone on vacation for approximately 5 months. Upon my return, I saw that I did not receive the monthly returns that I should have received on my deposit. 

When I called and visited the branch numerous times to get this resolved with the representative, they told me that this was a Cash Management account that required the transaction to be done myself. This information was not provided properly, and when I requested that the interest on my deposited balance be retroactively applied, the bank indicated that they would not be able to do so. If the representative had just opened a Money Market account as I'd requested, I would have been able to receive the interest on my deposit. 

This is clearly a case of not entirely ethical practices that the representative engaged. He clearly took advantage of the fact that I do not speak perfect English and sold me a product that required additional steps that were written in tiny print on the account documents. While this may not be entirely illegal, it is obviously the equivalent of trying to XXXX an old man of his money, as I am a senior citizen as well.

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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc.
State: NY

Complaint narrative:
XXXX account number balance {$3400.00}. I received a of my copy report to my surprised they are reporting this account incorrectly also this collection account is reporting not only as Open but also shows a past due balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-19 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-19 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: FL

Complaint narrative:
I have disputed my incorrect public records with all XXXX credit reporting agencies as it's 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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
First of all, I do not have a debt with this company. I reached out to XXXX several times trying to dispute this debt XXXX years ago now this company comes out of nowhere and purchase a debt that was never supposed to be on my credit report and put it on my credit report. They have not validated anything I do not have a sign contract with the genesis company in regards to any debt Company and any debt that they brought is not they are sending over information that was put in the system late. XX/XX/XXXX is the day that I called to confirm that they received my 60 day notice but my original 60 day notice was brought to the office. XX/XX/XXXX, it was never input it in the system until XX/XX/XXXX now they are charging me for a month that I did not live in the apartment. They are charging me for damages that was never done to the apartment. They have never showed any proof and the keys were returned on XX/XX/XXXX however Im being charged for the entire month of XXXX. They have not answered to the attorney generals complaint. They have not answered any emails From the XXXX  and Im going to keep filing new complaints every time because this debt does not belong to me. I am about to contact a lawyer because at the end of the day I do not owe this company. I dont even know who this company is and I dont even know how they get my personal information. I did not consent my personal information such as my Social Security number my phone number and my address and they keep sending harassing calls. I am about to sue this company for harassment and for putting something on my credit report. I also do property management and I know that I have done my due diligence by providing a hand written letter to the main office the office neglected to put the handwritten letter in until I called the XXXX main office on XX/XX/XXXX and advise them that I put a Letter in the system on XX/XX/XXXX stop contacting me and remove this debt from my credit or I will be filing a lawsuit I have disputed this issue with the attorney general office and never got a reply. I dont think I should be responsible for the negligence of this company and now Genesis is coming in unbeknownst to them. They dont know whats going on. They dont know the severity of what was going on. I have emailed them. I have sent letters. The attorney general have sent letters in avana has not corrected this issue in the system as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Credit Card Receivables Fund Incorporated
State: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account number : UNIfund

Company response to consumer: Closed with explanation