vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress. 

This is my recent response that I am unable to submit to all XXXX credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress. 

This is my recent response that I am unable to submit to all XXXX credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.

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 2024-04-15 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: GA

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 confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: GA

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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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
Consumer complaint received 2024-04-15 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I am writing to follow up my previous dispute regarding with the late payment entries on my credit report that appears to be incorrect.

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 2024-04-15 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: IL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
The Apartments that Evicted me originally filled for {$6900.00} & I had to call & let them know that was incorrect. 

I have another Tenant Ledger from the apartments saying I owe {$3600.00}. 

I have on the court records that I only owe {$2900.00} I have submitted this information to the debt collectors as well & I also informed them no where in my lease that I signed did I give permission for my information to be sold to them & they said its written into my lease & neither the apartment or debt collector have sent me this information that I have asked for. The Debt collectors also mentioned that XXXX XXXX XXXX XXXX XXXX  & GENESIS CREDIT MANAGEMENT work together but XXXX XXXX XXXX XXXX  told me they sold my information over & that I dont pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
Please check the documents that I've sent. There are inaccurate accounts 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 confidentiality under 15 USC 1681.

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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: MD

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 confidentiality under 15 USC 1681.

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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently ensured that payments on this account are made in a timely manner, preventing any occurrences of overdue bills. However, I'm uncertain about the reasons behind the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be corrected.

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 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Bought home XXXX, paid on since then. Had problems XXXX now they say I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was not late on my XXXX payments during the months of XXXX and XXXXXXXX XXXX XXXX. There was an error in my banks bill payer during 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
Consumer complaint received 2024-04-15 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I don't knw why my credit is bein checked and I diddnt give no go ahead or do I knw of anyting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Global Lending Services LLC
State: WA

Complaint narrative:
I don't knw why my credit is bein checked and I diddnt give no go ahead or do I knw of anyting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I closed on this loan on XX/XX/XXXX with a local bank. PHH Mortgage assumed the loan within two weeks, and fully started servicing it on XX/XX/XXXX. XXXX Taxes were paid at closing. On XX/XX/XXXX PHH Mortgage dispersed a tax payment to my county treasurer in the amount of {$150.00}. This amount is not what my anticipated taxes were supposed to be, ( according to previous owners documents and the closing company ) not to mention no taxes on this property will be due until XX/XX/XXXX. I called to find out why they paid it and they said they received a bill from the county treasurer and I asked for a copy. I told them nothing was due since it was paid at closing and they said that the bank they assumed the loan from told them to make the payment. The loan originator denies this as well, as they knew that taxes were paid at closing.

I have called or chatted with PHH multiple times since XXXX and no one will answer the questions, supply my documents, or give/send/call me with a response. There is no number to their tax/escrow department. 
After calling my county treasurer again today, they confirmed that there is NO tax liability in my name or my property, no check has been received from PHH and the Tax Property ID that PHH attached to my disbursement note in my online account with the {$150.00} is to a completely different property and land owner. ( Which no additional payment from PHH has been received on either ) PHH has once again denied my request for documentation and says without a tax bill they can't even file a complaint with their Tax department. I have been told to wait 10 business days for a resolution again. This was my 5th attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NJ

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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
This complaint is a direct response to the actions PayPal claims to have taken in the response it originally provided to CFPB complaint ID XXXX. 

As part of the original complaint, I specified that due to limitations placed on my account, XXXX, I was unable to access the remaining funding in the account or initiate a transfer. At this time, despite the changes represented in the companys original response, I am still unable to access my funding or initiate a transfer. 

Even after PayPal claimed to have re-configured its internal limitations to allow the addition of new banking information, I was unable to do so. It was only after I complained again to PayPal through its website, and received no response or acknowledgement that the claimed changes were actually made permitting to add new banking information. Today, I remain unable to access the funding or initiate a transfer to my banking information. 

Furthermore, the system is now prompting me to confirm a code associated with a temporary credit/debit of {$1.00} to the new information. The transaction I see from PayPal is not in this amount, nor does anything even vaguely resembling the requested confirmation/verification code. Altogether, I still remain unable to access my funding or initiate a transfer despite the claims PayPal misrepresented in its response to complain ID XXXX. 

At this point, I am completely fed up with PayPal and its alleged resolutions. I do not want to confirm any additional banking information or verification codes. I do not want to engage with customer support. I want my money. Please confirm how a check can be mailed to the address and account holder of record. No other resolution will be considered satisfactory in light of the repeated bad faith actions and misrepresentations PayPal has made on this matter thus far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 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: AZ

Complaint narrative:
FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly review the documents? A number of the mentioned accounts contain inaccuracies in their reporting and should be promptly eliminated.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/2024, I received a notifications from XXXX stating my student loan has been updated. Mohela is reporting an increase however my student loans has been deferred. Also the balance of my student loans went from XXXX to XXXX. Moheala is now reporting that I owe then XXXX XXXX XXXX. They are reporting this to XXXX, when I contacted XXXX, they did confirm Mohela is reporting this mistake. This is a huge mistake. Mohela refuse to fix it. This needs to be address asap. This is an reporting error and Mohela refuse to fix it. How do I owe the XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate personal information listed on my credit report. Upon reviewing the report dated XX/XX/2024, I have identified several items that are not mine and do not reflect my financial history accurately. 
I have submitted a complaint to the bureaus multiple times but I haven't received a positive feedback from them because the accounts in question are still their. I am now filing a dispute in CFPB website and hoping for a positive response. My only correct address is XXXXXXXX XXXX XXXX, AL XXXX The following information are inaccurate : PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, AL XXXX PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, AL XXXX PREVIOUS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them!

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