vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I have been struggling with correcting the errors on my credit report for months now and it's been very exhausting. Maintaining a strong credit standing is really important to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional well-being. Unfortunately, my efforts to address these issues have been consistently ignored, compounding the negative impact on both my personal life and creditworthiness.

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 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I received my property tax bill for XXXX in the mail in XX/XX/2024 for {$7200.00}. I happened to look at my mortgage account statement and the taxes paid from my escrow account were triple the amount of the tax bill in total {$21000.00}. I called the mortgage company which is PHH Mortgage and they said they would do an investigation. In XXXX of 2024 they said there is nothing wrong. I questioned it further because the tax IDs on the payments from the escrow account are different. On XX/XX/2024 PHH Mortgage admitted over the phone that they paid other homes ( that I do not own ) property taxes from my escrow account. They have not corrected the issue or even clarify on how the issue can be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've had so many issues with logging into both Transunion and XXXX. I want to log into both of these accounts in order to secure a credit report freeze as well as to simply access my accounts. Every time I try to log in I go through the same cycle of retrieving my account via reseting password which inevitably ends up with the " temporary error '' page. This is ridiculous. I haven't been able to access my accounts for years. I reached out to both credit unions via phones and were not able to even reach an agent.

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 2024-08-15 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I had a {$75.00} Visa Vanilla Gift card that a purchase was made on it. I never opened this card until XX/XX/year>. There was only {$43.00} on it. I filed a complaint and filled out forms to Vanilla Gift Card which they received on XX/XX/year>. They said it would take 90days to resolve. I called XXXX XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to a person that said it will take 90 days. But its over 90 days. XX/XX/XXXX I got an email that my case is closed and I will not get the rest of the money. Case # XXXX. I had XXXX other Vanilla gift cards that the total amount was compromised and they replaced them but the one that was partially used by a scammer they wont replace that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NE

Complaint narrative:
Hi this is XXXX Please help me to stop all the disputes that I been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NE

Complaint narrative:
Hi this is XXXX Please help me to stop all the disputes that I been made.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE " WRITTEN '' INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information- ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE " WRITTEN '' INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information- ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the 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 2024-08-15 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: TX

Complaint narrative:
My credit profile is not available from Equifax. I have asked on many occasions why, but they till me that they see nothing wrong. I have been trying to buy a home for the last 5 months but when my credit is run, They will not report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I reviewed my credit today and saw a new collection reported to my consumer file from Credence Resource Management. This company has violated my rights by not sending me any type of letter or communication that they were reporting anything on my consumer file. They did not give me a chance to review anything concerning this alleged debt. I request that this company send me the original purchase agreement when they purchased this alleged debt. I have the right to verify any and all information of this alleged debt to validate if this debt belongs to me. I also request a copy of their license to see if they are allowed to collect in my state. Furthermore this alleged debt has been reporting to my consumer file from XXXX different companies and no one has sent me valid documents for verification so its deleted and resold. It is a hassle keep complaining about this issue and I request that it stop being resold and stop being reported on my file. My next step is filing a law suit. Also I have not given anyone permission to sell anything with my personal information this is a violation of privacy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: RSVP Lending, LLC dba RSVP Loans
State: UT

Complaint narrative:
I contacted RSVP on XX/XX/year> throught their support email stating I could not make payments and asked if there was other options to resolve my account. I never heard back about the email, only a text that my payment did not go through on XX/XX/year>. 
I tried XXXX times to call RSVP on XX/XX/year> and each time it would act like the call was picked up, then immediately disconnected. 
I tried on a different phone on XX/XX/XXXX with the same response. 
I called again on XX/XX/XXXX, same response. 
I called again on XX/XX/XXXX, XXXX different numbers and sent a complaint email, phone disconnected with each number and there was no response to the email. 
Now account has been sent to collections. Collector has incorrect information from RSVP. This should Not have gone to collections, I made several attempts to contact RSVP and resolve the issue.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES TO BE PULLED FROM MY CREDIT REPORT AND I WANT THEM TO BE REMOVED FROM TRANSUNION, 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 2024-08-15 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:
I recently discovered that the above-named company is furnishing false and misleading information to my credit report. I do not know how the company obtained my private non-public personal information. However, the false and misleading information does not relate to me and is a result of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
I recently discovered that the above-named company is furnishing false and misleading information to my credit report. I do not know how the company obtained my private non-public personal information. However, the false and misleading information does not relate to me and is a result of Identity Theft.

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not aware of this third party company called Resurgent Capital Services. As this company does not appear on my credit report, I have never received anything in writing about a debt that I alleged owe Resurgent Capital Services. However, I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for proof that they had the right to collect the debt, including any agreement that grants LVNV Funding authority to collect on behalf of the original creditor. Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts bearing my signature. LVNV Funding has not responed. XX/XX/XXXX was my first letter from Resurgent Capital Services, LLC, a ( third party company ) stating they are acting on behalf of LVNV funding to collect on two allege debts. Yet, again, Resurgent Capital Services failed to provide me with a copy of any viable evidence, bearing my signature, showing both alleged accounts belong to me. Also, I asked for proof that they have right to collect the alleged debts. They sent account summary that was prepared by Resurgent Capital Services but never from an orginial creditor. This does not constitute validation from an orignial creditor. As per FTC letter from Attorney XXXX XXXX XXXX, Resurgent Capital Services should be aware that a printout of a bill or itemized document does not constitute verification. I have attached what Resurgent Capital Sent that is not verfication and justifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a notification that there was new activity on my credit report. Upon looking, I found a collection of what I assume is a loan taken out in 2022 and was never paid. This is the first time I saw or heard of the company. I believe it to be identity theft and I filed a 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Last month in XXXX I mailed Equifax multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Equifax did not process my dispute at all. Besides, Equifax did not send me any correspondence whatsoever regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative consumerreportmeansa Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date : XX/XX/year> Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX, XXXX XXXX 
I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to take to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 
I checked the transaction date, they are both on the afternoon of XX/XX/year>, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. 

You can call XXXX XXXX XXXXXXXX to see if i was there on XXXX XXXX. Restaurant phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely

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