vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I applied and was granted a forbearance with XXXX mortgage. During my forebearance period, XXXX sold my loan and the new serviced became LoanCare. 

The loan was transferred on XX/XX/2023. On XX/XX/2023, I began receiving threatening letters from LoanCare indicating default and delinquency. LoanCare began reporting the loan to the credit bureaus showing delinquent XXXX, XXXX, XXXX. LoanCare has violated RESPA which allows 60 days from XX/XX/2023 before they report to credit bureaus while the transfer docs are received. 

On XX/XX/2023, I contacted Loancare and informed that I was in forebearance and I had applied for HAP of which I was approved. We have a family of 7 in which my husband is XXXX and I am the only working family member. My 5 children should not have to be harassed and taken advantage of by LoanCare. 

LoanCare acknowledged the State of Ca had approved the application to help our family through XX/XX/2023 and my next payment would not be due until XX/XX/2023. Even with this knowledge, Loancare charged us late fees extra interest and continues to report the account as delinquent. 

On XX/XX/2023, XXXX of California sent me a confirmation of funds being transferred to LoanCare to bring my loan current through XX/XX/2023. I contacted Loancare on XX/XX/2023, and LoanCare indicated the State of Ca had not sent the funds. 

I called several more times between XX/XX/XXXX through XX/XX/XXXX and still Loancare indicated no funds received by the State of Ca program. I knew this was untrue because XXXX State of California verified with me that the funds were sent kn XX/XX/2023. 

It is now XX/XX/2023 and LoanCare indicates the funds were only just received in XX/XX/2023 and now it will take LoanCare 1-2 weeks to finally apply the funds to bring my loan current. 

In the mean time, XXXX continues to report the loan as delinquent to the credit bureaus. Loancare continues to violate RESPA rights. 

They have completely violated my rights as a customer and need to be held to account.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. 

ALLY Financial 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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
This account was closed and equipment was returned. THIS ACCOUNT WAS CLOSED WITH A NEGATIVE BALANCE. XXXX even sent me a {$60.00} refund and gave me a credit. 

If this shows up on my credit report and this not closed/removed immediately, I will press charges for harassment against Credit Management LP as well as XXXX. 

I spent multiple times on the phone with XXXX. 

I separate want a letter addressed to me from XXXX and Credit Management LP apologizing for the headaches it has caused me and showing the balance is XXXX out.

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime has suspended my account because they say I havent sent in information theyve asked for! Ive been sending information since XX/XX/XXXX. They keep saying its not sufficient evidence. They asked for my license to unlock my account on XX/XX/XXXX and my account is still locked! I have deposits coming into that account that are too late to change!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is a continuance of issues as this is now my second time having my funds placed on hold with my merchant account XXXX XXXX XXXX XXXX ; email : XXXX. On XX/XX/2023 I confirmed and marked as complete three transactions with my merchant account on PayPal for {$55.00}, {$190.00}, {$250.00}. All of these transactions were immediately placed on hold without being provided a clear reason as to why. The message I read on the site said it may take up to 21 days for the funds to be released. Upon trying to remove the hold on the site it stated that I needed to provide tracking information or a shipping label for these transactions which is a violation of several Federal laws. PayPal is only a payment processor for my merchant account and I do not have any contract or fiduciary responsibility requiring me to disclose that information to PayPal. Additionally, there is no way or a need to provide a tracking number or shipping label if the transactions were for a service. I reached out to customer service and asked for my funds to be immediately released. The agent released only one of the transactions of {$55.00} and stated I had to wait for the additional funds to be released. I provided confirmation that the transactions have been completed and my funds should be released immediately. As of XX/XX/2023 I have not received a response back from the customer service agent XXXX. PayPal has breached their fiduciary responsibility by having my funds placed on hold against my will which is extortion, a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANT CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the company to update and remove the late payment remarks on the goods that I was never late on, as this would be fair and equitable to me as a customer.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax remains in violation of 15 U.S.C. 1681g. The information concerning the XXXX XXXX  also known as XXXX XXXX XXXX account as " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' is reporting as inaccurate, false, and incorrect. 1 ) Statute violation : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ). XXXXXXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. There is no contractual agreement between myself and XXXXXXXX XXXX  currently existing to support any past due amount owed for Collections. 2 ) Statute violation : FCRA Section 611 ( a ) ( 1 ). XXXX XXXX failed to contact me to notify me that XXXX  XXXX  turned over an account to collections before reporting this information on my credit report. 3 ) Violation of FDCPA Section 809 ( a ). The XXXX XXXX account should be deleted from my consumer credit report for lack of verification, no previous creditor relationship, reporting of inaccurate information, and failure to notify. 4 ) Statute violation : 15 U.S.C. 1692g. I hereby dispute XXXX  XXXX  as my original creditor. There is no contractual agreement between myself and XXXX  XXXX  currently existing to support any past due amount owed for Collections. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the last two years, I have attempted to get Transunion to fix multiple errors on my credit report from personal information, outdated employment information, old/closed accounts, out of dated personal ( fraud ) statements, wrong phone numbers, and adverse account information. I contacted Transunion XX/XX/XXXX to fix these errors and was told the outdated fraud alert statement was removed and my report was correct, there may be a glitch or delay. I was unable to get online to see my report for sometime but thought nothing of it. 

After noticing the other bureaus fixed longtime errors, I checked Transunion on XX/XX/XXXX and noticed the same multiple issues with totally incorrect info so I submitted and dispute online for my personal info and incorrect account info/statuses. I got an email the NEXT morning stating my dispute results and account info was ready and could be viewed until XX/XX/XXXX. I called on XX/XX/XXXX to advised Transuinon there was no way the report was corrected so soon and my information was still incorrect. The outsourced rep claimed the investigation was still in progress. On XX/XX/XXXX, I get another email to view my report and on XX/XX/XXXX I looked and the report was untouched with nothing corrected or investigated. This is causing issues with my financial situations because Transunion or its reps are not properly disputing or removing incorrect information in 30 days. The company is not following the credit regulations. 

I am also unable to use the website fully and print my results since Ive alerted customer service about these concerns but nothing is being fixed.

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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I received a letter dated XX/XX/XXXX From PNC Bank, stating my loan was paid off in full, and that " the state agency will either forward a lien free paper title to the address listed above or to the address the state has on record '' it has been 3 months, and I haven't received my paper title. I called today XX/XX/XXXX around XXXX XXXX. They stated that they already released the loan lien and I can go get my own paper copy from my DMV. Um, no. The letter states you are authorizing the DMV to send me a paper copy, which by law I am entitled to. The bank refused to send me my title when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer reporting agencies were made aware of identity theft and fraudulent accounts on my consumer report. They failed to follow procedures to investigate and validate those accounts.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my dissatisfaction with the inaccurate credit reporting made by Equifax. On XX/XX/2023, my XXXX XXXX XXXX XXXX account, which had been paid off and closed, was reported to have a balance of {$630.00} by Equifax. 

I would like to bring to your attention that this is a completely inaccurate report, and it has significantly affected my credit score. I do not owe any amount on this account, and it has been paid off and closed in full. This false report by Equifax has damaged my credit score, which has impacted my ability to access credit when I need it. 

This is not the first time that Equifax has reported inaccurately on my credit report. This incident has further raised concerns regarding the reliability and credibility of Equifax 's credit reporting process. It is disappointing to see such errors that affect the credit score and financial standing of individuals. 

I urge you to investigate this matter and take prompt action to remove this incorrect information from my credit report. I am hoping for a swift resolution to this matter and would appreciate a response from you as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer reporting agencies were made aware of identity theft and fraudulent accounts on my consumer report. They failed to follow procedures to investigate and validate those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See document attached

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.

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