vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We became in default when layed off during covid, then again when hospitalized with covid. Then had a car wreck and out for a long time due to injury. Contacted PHH Mortgage Servicing & tried to apply for mortgage help programs but was rejected for all. All the while PHH ( proven crooks ) kept adding fees ( not late fees ) to mortgage. XXXX XXXX XXXX said they could get better interest rate and use govt programs and help us renegotiate payment amts and get back in control. Sent ALL home files to them ( they even paid shipping, made copies and sent us copies back ), they kept in touch and we made payment to them ( just like when had to file bankruptcy for same added fees and job loss ), we sent them pmts for 6 months or more, then they tried for quite a while to get in touch with them. Never heard ANYTHING WHATSOEVER from Mortgage servicing so figured all was still on track or else we would have received statements of pmts due, but never received one statement from PHH, never received notice of being behind in pmts, then went straight to foreclosure. Completely unfair. They refused to help when behind, even though govt programs existed. Have lived in this home for 25 years. They don't send notices or statements but just right to foreclosure. And tried to get help, company seemed completely legit. PLEASE HELP ME KEEP FAMILY HOME AND MAKE PHH/OCWEN QUIT STEALING AND FRAUDING PEOPLE. Also filing with Tx Attorney General XXXX case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX 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 this item 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 explanation
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: NV

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 items ( A ). It is not permitted to report these items 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 deletion 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: AL

Complaint narrative:
Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up

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 2023-05-16 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: TN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-16 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: Movement Mortgage LLC
State: SC

Complaint narrative:
I already spoke with the company and Paid off the bills. 
The action was taken this morning Amounts was : {$2000.00} paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX or XXXX or earlier threatening person not involved to be subpoenaed in court and issues me a summons by sheriff office if I dont pay the debt by XXXX XXXX got the letter XXXX XXXX or contact them its been 11 year since this loan I dont even remember the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please read letter sent via email on XXXX XXXX XXXX  and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX  willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: NY

Complaint narrative:
Please read letter sent via email on XX/XX/2023 and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX  verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please read letter sent via email on XX/XX/2023 and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX  willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ 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 2023-05-16 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance XXXX shows open, its closed due to no payment went through divorce he was suppose to pay it but its closed Also there was another account open for same credit company, the same exact date for XXXX. XXXX took the one off for XXXX transition did not. I believe they should both be taken off due to the incorrect information being on my credit report for so long and me constantly having to find ways to get them taken off. 
Date opened was XX/XX/2018 same as the other one from XXXX XXXX XXXX  back and they both still say open. How can it be open when the account cant be charged on and it was closed? They refuse to take it off no matter what I dispute on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-16 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: OH

Complaint narrative:
There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX 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 this item 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 explanation