vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. The account numbers reported to XXXX, Experian and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, Experian is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or Experian. 

There is an account ( XXXX XXXX  ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on Experian.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
We closed on the sale of our house on XX/XX/XXXX. The funds were to be wired to my Ally Bank savings account. The transfer was rejected due to the account being in my name and funds transferred in both my and my wifes name. They rejected the transfer on XX/XX/XXXX. We expected/assumed that the funds would be back in the title company account in XXXX hours. On XX/XX/XXXX, I called the title company to see if the funds were present. I was directed to Ally Bank as they would have record of the rejection and tracking number to trace the funds transfer. I called Ally Bank on XX/XX/XXXX, XX/XX/XXXX and XXXX as the funds had not been returned. Each time I spoke to a representative and to a supervisor about getting some record or the transfer and specifically a federal transfer number. In XX/XX/XXXX, I was told that they had no record and would have to reach out to title company bank. On XX/XX/XXXX I spoke to a supervisor and representative. This time is was given the federal tracking number for the incoming wire, but no the outgoing. The supervisor told me that there was no way to track or record the outgoing wire. They recommended a service inquiry. On XXXX, I spoke to a representative who gave my a XXXX digit number that incorporated some of the proper digits, but was too long. When I called later in the day to speak to a supervisor, she told me that there was no way to verify or track out going wires and that there would be no outgoing federal tracking number. I asked multiple times to speak to a banker or someone with more knowledge, or even a conduit so that the banks could communicate with each other. I was again told that the service telephone was the only way, but that it would be the same process.

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 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a letter from Discover Student Loans ( dated XX/XX/XXXX ) stating : " We are compensating you because we could not confirm authorization for one or more payments withdrawn or attempted to be withdrawn from your bank account. We are refunding the amount of the withdrawn payments and are compensating you an additional amount for the time it took us to correct the issue, for a total amount of $ XXXX, XXXX. The credit for these payment ( s ) will remain on the loan ( s ). 

We are compensating you an additional {$25.00}. 

We have enclosed a $ XXXX XXXX  check for the above compensation. 

We are taking this action in accordance with the terms of the consent order the Consumer Financial Protection Bureau issues in XXXX against Discover Bank related to student loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
This is to follow up in regrads of the repeated failure to remove the fraud items from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : 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 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I have been paying my mortgage through on line banking since PHH took over this mortgage in XXXX. At the time, it appears they increased the mortgage due to an escrow change ( XXXX times over a XXXX month period ) yet did not notify me. As a result, my mortage payments for a period were slightly insufficient, then slightly over the amount owed ( after they did some kind of escrow correction ), and then again slightly insufficient after yet another change they made ( I.e. my under and over payments were roughly {$100.00} on a {$6000.00} loan ). Because I had set up monthly auto payments from my bank, I did not look at my electronic bills from PHH. At no time did they send notice to me on escrow changes electronically or via US mail. At XXXX point in XXXX, they unilaterally applied an entire mortgage amount to the principal ( because they state it was not the exact amount and that is their policy ) thereby putting me in default for an entire year after that because the amount had not been applied to any interest. I had no way of knowing this, ( except apparently had I looked at an on line statement, but even if I had, there is no notice of default statement until XXXX of XXXX ), at which time I also received my XXXX  US mail letter which I opened and immediately responded to. 
Yet PHH is inconsistency applying its policies. I have unknowingly been underpaying and overpaying for over XXXX years now, yet for all but XXXX payment, it has applied my payments to principal and interest appropriately ( even when not the exact amount ), yet last year took the {$6000.00} payment and applied it all to principal. There is no adherence to their own policies. 
Just today, after having spent XXXX hours on the phone with the service representatives last week and making the exact payments they told me to make, I see a credit on my account that it not only entirely different from the amount I paid, it is drastically overstated. 
Lastly, for the last XXXX  years, I have had a credit score over XXXX. I pulled my XXXX XXXX today, and learned that PHH has reported late payments and default, reducing my score by over XXXX points. 

PHH is operationally unsound, their people incapable helping resolve issues, have damaged my credit, and have assessed nearly {$3000.00} in late fees that I feel are incredibly unjustified. 

Please let me know what you advise for next steps. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/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 2024-06-04 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:
I just recently looked at my credit XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

2. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

3. XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

4. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

5. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

6. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

7. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

8. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

9. Inquiry from XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

10. Inquiry from XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

11. XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b., 12. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

13. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Received letter from one main financial dated XX/XX/year> stating we have exercised all investigation and resolution options available and unable to assist with the dispute because it was not received within XXXX days of the charge. This is not true. I did contact Customer Service within the XXXX day timeline. Customer Service never opened the dispute. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
I have identified unauthorized inquiries 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 2024-06-04 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:
I sent certified mail, A request to remove account, it was a removal letter and a FTC report a copy of my driver license and ssn card for XXXX account XXXX XXXX balance : {$0.00} Date Opened : XX/XX/year>. I disputed the same account with XXXX and XXXX they fixed the problem. I believe TransUnion and XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act.They using my name a address i do not never live there date of birth XXXX socical number as proof. I have maintained careful records of their actions.

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 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
In XXXX we had a XXXX  plan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). It cost $ XXXX. For the XXXX plan year it increased to $ XXXX. We did not renew the plan, and never paid a binder payment for XXXX and the plan we never in effect. We have contacted XXXX many times and were reassured it was taken care of. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector ) has contacted us to collect {$1400.00} for XXXX XXXX premiums for XXXX. 

We provided XXXX XXXX XXXX XXXX XXXX, which shows we had a marketplace plan in effect with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for XXXX of XXXX months in XXXX. XXXX XXXX received {$8400.00} in federal marketplace subsidies from the federal goverment under this plan. 

XXXX XXXX has also collected a similar amount from the federal government. This is illegal. It is impossible to have two plans in effect at the same time. Despite being informed many times, XXXX XXXX continues to attempt collections. 

We have received a letter from XXXX that negative information has been added to my credit bureau account regarding this invalid debt. 

XXXX XXXX has become unresponsive to our further attempts at resolving the issue and will not provide documentation. 

A dispute with XXXX XXXX Collections was submitted, however they have not responded to our dispute.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I be trying pull up my credit score and report from Equifax but they been giving me a hard time. Equifax is saying its because of my address but I have followed every step from there online address verification, mailing verification letter which I sent XXXX letters, XXXX in XXXX and other recent in XX/XX/year> and has called numerous times. I'm currently trying to get approved for something and this is halting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: LA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/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 2024-06-04 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: LA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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 am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-04 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 am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXXXXXX

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