vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
My mortgage provider ( PHH Mortgage for XXXX XXXX Mortgage ) has repeatedly failed to apply payments I have sent to be applied to principal, to the principal, despite me following their process for designating extra payment to principal and refuses to correct the issue they caused. The most recent case of this was a payment of {$6000.00} I sent as extra payment on principal on XX/XX/2022. When I received my statement, though, I saw that PHH applied part of this as extra payment in principal, but used part as a monthly payment, and did not make my automatic XXXX payment withdrawal. I reached out to PHH twice ( most recently XX/XX/2022 ) to ask them to correct this. They say they can not, and suggested I instead just make another extra payment because of their mistake ( but that I am still paying interest on the higher principal since they did not apply my payment as they should have ) and will not provide information on how they will ensure my payments are applied correctly in the future. I want them to correct their mistake from the date my payment was made so that my principal reflects the payments I have made and to provide a clear assurance that they have processes in place to avoid future misapplication of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
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 XXXXXX/XX/XXXX. 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
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 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received an alert from XXXX XXXX- a debt was filed against me on Equifax from a company called XXXX XXXX XXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to Equifax- This collection agency did not provide an account number or a service address. I filed a dispute with Equifax and they did a half XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
Submitted additional dispute documentation on multiple occasions over the last few months as Experian Credit bureau continues to leaves false inaccuracies on my credit report. This lack of initiative to correct fraudulent line items makes it impossible to have my report accurately reflect my credit worthiness. Despite countless attempts to submit the exact same documentation used with other bureaus to correct these inaccuracies Experian continues to falsely report these inaccuracies with no regard to the US Code for consumer credit protection. I am requesting the immediate proper investigation that I am entitled to per FCRA. I find it hard to believe that other bureaus are investigating the same items and removing the inaccuracies as required by law and Experian continues to let any and all information continue to be fraudulently reported regardless of truth or accuracy. Creditor continues to violate US codes ; collection to consumer report is in violation of 15 USC 1692d ( 4 ) engaging in unlawful extortionate activities and collection of extensions of credit by extortionate means is a violation of 18 USC 894. The inaccuracies in question are XXXX XXXX whom has been involved in litigation since XXXX where there were court ordered to removed delinquent accounts and to waive deficiency balances which the Coalition statement has been provided as with the other two bureaus ( XXXX and XXXX ) and immediate correction was made resulting in the deletion of this account from credit reports. The second inaccuracy is XXXX XXXX in the amount of {$1000.00}, which should be immediately removed due to the creditor violating the US Code for consumer credit protection by attempting to use extortionate means to collect debt which is against the law ( account has been removed from credit reports ( XXXX, XXXX ). The final and most important inaccuracy comes from XXXX XXXX XXXX  whom has added a collection only to my Experian report in the amount of {$3000.00}, this school added this debt to my credit report after receiving cleared funds from the department of education and they are now involved in litigation due to school misrepresentation and misconduct in violation of certain state laws. Sweet v. Cardona ( formerly Sweet v DeVos ). This creditor is attempting to falsely collect funds though they are not legally entitled to them. Experian does not investigate disputes as they properly should to protect consumers.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent. Provide proof of written consent to furnish this account per 15 U.S.C 1681 Section 604 A Section 2 or delete the account from the 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint in against Experian Credit Bureau. There are 2 complaints. 
1. I have an account with them. When I log in, it asks to verify my identity via phone or text message. The phone number they have is an old number. So instead I choose " security questions ''. When I click on security questions, it takes me to a page that says " Ooops '' and says I should call them. However, when I call them, I can't get a live person. Only automated services. The automated services makes me repeatedly input my data for clearance. It then tells me to go online and reset my password. But when I reset my password, it tells me " Ooops ''. I've been going in circles for 10 days. I've tried connecting with other departments in Experian, just to get a live person to help. No one. No humans work in Experian.

2. When I go through the circle of the automated services, it tells me that my credit in NOT frozen. However, I've been trying to lease a car and every time they do the credit check, it says my account is frozen. 

I can't log into my account to check. I can't get anyone on the phone. I've emailed them. They emailed me back and asked for more account information ( still no human phone number given ). I responded. My account is still frozen and I can't get the car that has been sitting XXXX weeks waiting for me. 

I'm XXXX XXXX XXXX, I've literally started getting XXXX XXXX  from this. I understand your protecting our credit identity, but this is literally ridiculous.

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 2022-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies. 

Bankruptcy verified via ( XXXX XXXX XXXX XXXX US FED COURTHOUSE ) Please tell me how you did that. Who did you talk to as the original furnisher? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tell me exactly how you verified this Bankruptcy and include the full name of the person you spoke with. I also went to the courthouse and asked about this credit reporting matter. Courts responded with a letter I have submitted. 

15 USC 1681i ( A5 ) STATE THAT AFTER THE INVESTIGATION. ALL OF UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. 

Also, I have disputed this Bankruptcy several times with EquiFax since XXXX XXXX after XXXX sent me a confirmation letter stating XXXX could NOT VERIFIED Bankruptcy and removed Bankruptcy from XXXX database. Dont provide the generic 10 years response ; of how long a Bankruptcy stays on file I am aware. Tell me specifically what steps and methods that were used in your investigation that allows Equifax to continually state Bankruptcy is verified through XXXX and or COURTHOUSE. 

Supply your response within 15 days or delete the public record. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a natural person.XXXX XXXX  also known as XXXX XXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As I know and as you, Transunion, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NM

Complaint narrative:
I have received several deceptive offers through credit karma over the past few years. These offers stated that I had an excellent chance for approval when applying for a credit card.each time I would apply for one, I would receive a denial this in turn would lower my credit score each time. I already have credit issues and a lowered score just makes it harder to improve my credit standing. Especially since it takes so long for these applications to be removed from my credit score. If I didn't have a chance to be approved in the first place, I would jave never applied to begin with. Very deceptive and unfair XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, on my credit report you have XXXX XXXX XXXX XXXX XXXX reporting on my account as an open account as of XX/XX/2022. This information is inaccurate & not factual the other 2 credit bureaus are not reporting this information. & by law 15 U.S. Code 1605 - Determination of finance charge & by law 15 U.S. Code 1666b - Timing of payments & by law 15 U.S. Code 1681s-2 - Responsibilities of furnishes of information to consumer reporting agencies These accounts must be removed & I request that you put a BLOCK on them after they are deleted. This account had been compromised as fraudulent a while ago. Please remove ASAP.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my equitably report shows a XXXX on my report and I am a authorized user. I never received a card dont know who the person is that added me. I tried calling XXXX and they no information with my name phone number or social security number. Told me to have the primary person call in I told them I cant do that as I dont know who it is. This has been on my report since XXXX XXXX XXXX. Ive tried disputing it but they will not remove it.

Company response to consumer: Closed with explanation