vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My parents have been paying for a fraudulent loan. Basically the house was paid off and then electronically sold. They are just the kind of folks who pay the bills as they come in. The house went default last year in XXXX through the XXXX XXXX PHH mortgage. After getting added to the loan as an authorized user, I was able to identify that payment were skipped. Im so even though subsequent payments were made skipped payments went XXXX XXXX default and subsequently the house was elected for sale. I was able to identify the one skipped payment and so after getting a quote for reinstatement and before wiring the money, the one skipped was addressed by our family, riding a check for that amount of the one payment, then in the for box of the check in that exact payment. They cashed that check before the wire was accepted so reinstatement of the house happened in XX/XX/XXXX or so of XXXX and it was done in the form of a rescission filed with the county so after saving the house, I intimately researched this loan, and I discovered all of it is illegal down to XXXX XXXX being alone, taking out my fathers initials, not even his name, and XXXX XXXX XXXX, which is a first mortgage company being the payment instrument in the form of a check recipient after studying the principal owners of the XXXX XXXX XXXX XXXX, which received a payment instrument of this mortgage I discovered that the principal owners were convicted of fraud at a later date are not convicted, but settled Fraud allegations at a later date with the SEC. The loan was apparently taken out in XXXX, but Ive discovered it all to be fraud so much that Ive also found a class action lawsuit on the matter. PHH giving out foreclosure notices illegally and basically they skipped a payment. Intentionally did an app apply one month so that the house would intentionally go into default so that they can dispose of the evidence of a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file 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

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 2023-11-24 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: PA

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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account 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 2023-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
I canceled my wire transfer into my Wise account because they mentioned that it would take 3 weeks for them to credit my account. But when I cancel it, they refuse to send it back to the originating account, and keeps telling me I need to fill out their form online with the refund instructions. The problem is I can not fill out their form because their form doesn't provide " further credit to '' field which is required for me to get the wire returned to the originating account. My originating account in the US a private banking, and requires " further credit to '' field. Wise refuses to accept the instructions that I've emailed them, and continues to tell me it's not possible to refund to my originating account because it requires " further credit to '' info. And now they've stopped responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: MA

Complaint narrative:
I am writing to bring to your attention a matter concerning inaccuracies on my credit report maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, I have not received a response from them. The details of the inaccuracies and the required corrections are outlined below : 1. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} The following account was never late. Please correct this inaccurate information on my credit report. 

2. XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The following account was never late. Please correct this inaccurate information on my credit report. 

3. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} The following account was never late. Please correct this inaccurate 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 2023-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX Transunion XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I was giving an apple credit card that just popped up on my XXXX. I didnt apply for it and do not want it. Tonight I started to see fraudulent charges on my account. I tried to cancel this account which by no has been compromised. They will not let me cancel the account. Ive asked over 20 times on chat and they wont even acknowledge that Im asking to cancel this card. I need help. I dont want this card and didnt apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA responded to my earlier CFPB complaint offering XXXX $ bonus but just gave 1 day to spend. I got letter on XX/XX/XXXX and they gave only time until XX/XX/XXXX. Even then i spent all XXXX $ spend needed but they are not offering XXXX $ bonus as transactions posted on XX/XX/XXXX even though they were spent on XX/XX/XXXX. 

BOA Ticket XXXX can be used as reference.

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 2023-11-24 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: MA

Complaint narrative:
I am writing to file a formal dispute with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian about the following discrepancies, but to date, I have not received a response. I believe Experian has an obligation to adhere to federal laws, specifically the Fair Credit Reporting Act ( FCRA ). I kindly request that Experian promptly verifies the accuracy of the disputed accounts and provides me with a written response detailing the actions taken to resolve this matter. 
The details of the inaccuracies and required corrections are as follows : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$19000.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) : This account is not mine. Please remove it from 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 2023-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} Equifax XXXX XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX Experian Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX  Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention a dispute I have with Equifax regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address the following discrepancies in my credit report. However, as of the present date, I have not received a response from Equifax. I am seeking your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$19000.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$970.00} ) I question the accuracy of the reported balance of {$970.00} and the designation of this account as closed and charged-off. I am in the process of clarifying this matter with the creditor. In the meantime, I request that Equifax marks this account as disputed to prevent further negative impact on my credit score. Additionally, I ask Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$900.00} ) I dispute the reported balance of {$900.00} and the presentation of past due amounts, as this account is closed and charged-off. I request that Equifax marks this account as disputed while I resolve the matter with the creditor. Equifax is also requested to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX  Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) This account is not mine. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief