vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the r

equisite METRO2. Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, 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 2024-03-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate 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 2024-03-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I'm trying to sell my home and there is a XXXX  lien on the title report. The loan was taken out in XXXX with XXXX/GMAC who went bankrupt and it was transferred to Ocwen. I received a letter from Ocwen stating they will be serving the loan on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. Ocwen is now PHH Mortgage. When my escrow company went to order a payoff they stated they couldn't find my loan. We provided my name, address, social, my ex-husband 's social, and the loan number and they still can't find my loan. I also called XXXX  and they showed the file as inactive and they showed Ocwen as the servicer and XXXX XXXX  as the trustee. 

I need either a payoff quote, XXXX demand letter, or release of lien so that I can sell my house. We're supposed to close escrow on XX/XX/XXXX. 

If Ocwen is no longer the servicer then I need to know who is the new servicer. I haven't received anything from Ocwen since XXXX which was a privacy policy notice letter. The title company has stated there is no assignment of mortgage recorded. 

I've attached a letter from the PHH stating they can't locate the account, a copy of the recorded lien, title report showing the lien, XXXX  findings showing Ocwen, and letter from Ocwen showing the will be servicing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention Transworld Systems Inc has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

It has become apparent that Transworld Systems Inc is in clear violation of my consumer rights. They have engaged in false, misleading, and deceptive practices, including placing a collection account on my consumer report without providing necessary disclosures. This action directly contravenes 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A. 

I want to make it unequivocally clear that I dispute owing any and all debts to Transworld Systems Inc. Furthermore, I am hereby revoking all rights for Transworld Systems Inc to communicate with me via email, text, or phone calls. 

In light of the above, I demand the following from Transworld Systems Inc : 1. Immediate validation of the debt in accordance with federal regulations. 
2. Disclosure of the purchase agreement between Transworld Systems Inc and the original creditor. 
3. Proof of licensing and bonding to collect debts in my state. 


I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure my consumer rights are protected. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NM

Complaint narrative:
1. When I make a payment on-line, US Bank does not expose that payment on the site. There is no record of the payment until US Bank processes it which could be a day or two later. For example : I made the payment on-line on XX/XX/XXXX, immediately after making the payment I look around for the record to confirm the details of the payment, but I can't find any record of it ; and I look the next day, and it's still not posted. Essentially, I have no record of the payment until US Bank gets around to processing it a day or two later. 
2. My due date is, for example, XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  Central Time, I log in to US Bank website and pay my bill. US Bank considers it a late payment because it was after XXXX XXXX  Central time. I was told it was because they don't process any payment that comes in after XXXX XXXX  until the next day. The late fee is {$41.00}. This policy is not noted anywhere on the website and when a payment finally posts to the internet it doesn't include a posted " time '', so you can't defend yourself from the late fee should you have paid it at XXXX XXXX  Central time. How could you prove it? 
4. When I asked to speak with a supervisor I was told that they would send a message to the supervisor and I would need to " make myself available '' to receive a call the next day if I wanted to rebut the late fee charge. I couldn't just submit the request over the phone and there was no other avenue to do so. I explained that I worked and would not be able to " make myself available '' for an unscheduled incoming call for non-work related business during my work hours. I was told it was the only way I could request a refund for my late fee. 
5. US Bank does not offer any way to submit a ticket or send an email when you have an issue, it's only by phone during US Bank hours and there is no immediate escalation process in place.

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 monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I called company to dispute this debt I did not have account number could not get through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Kikoff Inc.
State: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed the vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been laid on payments for the account. Account Name : Kickoff Account Number Token ( XXXX ) Please investigate, and provide proof with statements, showing that these payments were late if proof cant be provided, I demand these payments be updated on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to strongly oppose your decision to reject my identity theft claim. I question your authority and legal standing to determine whether I have been a victim of identity theft. You lack the necessary expertise or jurisdiction to make such a determination on my behalf. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. Please have these items REMOVED from my report : 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 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a loan consolidation through FSA including my student loan through XXXX and my parent plus loans through Mohela. On XX/XX/XXXX my application stated " in review '' still. I attempted to add XXXX additional loans to my loan consolidation and apparently that initiated a second consolidation loan application. Both loans state " in review with the XX/XX/XXXX date when I go to the FSA site. I am working with XXXX through my employeer XXXX to complete PSLF. I have attempted to contact FSA multiple times and EVERY attempt ends in FSA disconnecting the call without speaking to anyone. I have attempted to contact Mohela as well but after staying on hold for extended periods of time, it disconnects the call without speaking to the staff. I have file XXXX complaints with the FSA on XX/XX/XXXX and XX/XX/XXXX without any resolution. The only correspondence I have from Mohela is that my loan is now in forbearance. I do not have any idea if the consolidation is complete or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One failed to notify me properly within illegal allotted time after the insertion of negative information which is a direct violation FCRA Section 623 ( A ) ( 7 ) /Regulation V. If Capital One feels that they have sent me written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature. If Capital One can not provide proof of documentation requested within the next 10 days then I am requesting a deletion from my credit file! Furthermore Capital One has continued to report negative information without written notification which is a violation under FCRA 623 ( A ) ( 7 )!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: CA

Complaint narrative:
After re-investigating my bank statements, I have confirmed that Credit Genie has made multiple, unauthorized charges to my bank account, even despite and SINCE my requesting and providing my information to a Credit Genie customer service agent in order to delete my account. The account had not been active since my payment back to Credit Genie on XX/XX/XXXX- which is the last valid payment due to Credit Genie, in the amount of {$34.00}. 

However, the following charges of various amounts are extremely concerning to me as a consumer who has experienced financial fraud on my bank account between XXXX - XXXX. 

Here are the following charges that were NOT authorized by me. I would like to request an immediate refund of these charges : XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$76.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$4.00} ( after 5 months they began charging my account again out of nowhere ) XX/XX/XXXX - {$4.00} Again, the last valid payment that I authorized & made to Credit Genie is dated XX/XX/XXXX in the amount of {$34.00}. 

Attached is an email indicating a Credit Genie customer received my request and asked for my information in order to delete the account. I emailed in response and did NOT receive a response, nor confirmation, nor refund. 

I am requesting for Credit Genie to refund me ALL of the aforementioned charges immediately AND to cease the charging of my account and delete my customer profile immediately ( all my personal and bank information ) in their system. 

Should my request for refund and the ceasing of using my account be ignored, I will be pursing legal action for the financial damages owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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 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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
as of today i have not recieve any documentation of evidence validating the existence or legitimacy of the alleged debt, therefore, THIS NOT MY ACCOUNT

Company response to consumer: Closed with explanation