vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: MD

Complaint narrative:
XXXX XXXX has a loan listed on my credit reports with Experian and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.

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 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX, account # XXXX have all 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-19 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: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage I sent in a request to remove my PMI from my mortgage at the end of XX/XX/XXXX. 
I sent in the requested form and a payment of {$120.00} which is required to get a evaluation of value done. I am paying for the service and the time frame per PHH Mortgage should have been no more than 20 days from receipt of form and payment for service. 

They cashed my payment of {$120.00} on XXXX i have called and followed up +30 days later in XXXX as I had not received any email or status on my request. Customer Service advise that it should have been completed within 20 days and entered notes in system to PMI dept. 

Called again begining of XXXX and I happened to get same customer service person on my second call. I advised I had not received any communcation yet again and they filed a report and escalation and that I should get commuication on status. 

XX/XX/XXXX plus days after iniital receipt of request I get an email advising that they are processing my request. Status is pending. 

Here are the facts, Original Loan {$270000.00} and current loan balance is {$210000.00} above 78 % LTV, never a late or missed payment, and property value estimator is above {$800000.00}! 
On tPHH Mortgage website the average property valueshows {$620000.00}!! 

All I need is a verified reasl estate value to get this removed and this is what I paid them to do and I cant get one independantly. 

Our property exceeds all the conditions for which to not require PMI. Yet we continue to have to pay this fee {$45.00} on our mortgage every month that passes with a resolution or removal we are deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I XXXX XXXX sent a cease and desist to Experian via USPS certified mail # XXXX which was delivered on XX/XX/2022. In my cease and desist I demanded that they remove numerous information and accounts that were unverified from my Experian credit report. Experian responded via dispute results # XXXX and # XXXX in which they stated that the information in my cease and desist was verified. I requested a full description of the methods and procedures used in their reinvestigation pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ), my request was sent via USPS certified mail # XXXX and was delivered on XX/XX/2022. Pursuant to 15 USC 1681i ( 7 ) ( A ) a consumer reporting agency shall provide to a consumer a description of the methods and procedures of reinvestigation upon request by the consumer no later than 15days from receiving a request for description from the consumer. It has now been XXXXdays since my request for description was received by Experian, and I have not recieve a detailed description of the methods and procedures used to verify the information on my Experian credit report. Experian has also continue to defame my character publicly by continuing to report the information and accounts in my cease and desist.

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 2022-05-19 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2022-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Fraudulent company attempting to claim illegal rights to property. 
SELENE FINANCE LP has reported to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX.by reporting personal credit report debt resolved in bankruptcy.in XXXX. Refuse to respond to multiple XXXX, XXXX  or validation as required by lending laws. Harassing neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
In accordance with the Fair Credit Reporting act XXXX account # 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. It also states A consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
Equifax is that removing XXXX accounts that were fraudulently open in my name one of them being XXXX XXXX, 2019. 
XXXX  XXXX 2019, XXXX  XXXX 2019. Send my federal trade commission identity theft report, police report several times for them to remove it and they have not. Every time I call the call gets dropped or they say they have a trouble.. How long does it take to process something this is ridiculous venting me from moving out of my life I cant get it I dont know I dont get anything until the living room and they are not authorize them nor did I ever apply for anything like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 XXXXXXXX XXXX XXXXXXXX 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 XXXXtransunion has me at a score around XXXX. 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  year old 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 explanation
Consumer complaint received 2022-05-19 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 XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OKX INC.
State: AZ

Complaint narrative:
I open an account with the company call okcoin and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ XXXX transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to okcoin account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ I file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection XXXX XXXX XXXX saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2022-05-19 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: FL

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. 

XXXX XXXX XXXX XXXX,,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,,, XXXX XXXX,,, XXXX XXXX XXXX XXXX,, XXXX XXXX,, XXXX 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Company : Hyundai Finance I overpaid the balance of my loan because there was XXXX check not cashed by Hyundai when they provided me my balance in XXXX of 2021. After making 11 phone calls ( from XXXX to XXXX ) in addition to seeking help from Consumer Affairs, I was not successful in getting my refund. 
An attorney wrote a letter on my behalf and in XXXX and I received a check for {$5000.00} ; however they owed me {$5500.00}. There was no explanation sent with the check why the amount was reduced. I have called Hyundai Finance on XX/XX/XXXX and was told they owe me {$540.00} plus {$4000.00} with an explanation I didn't understand, but talked about deducting principal from $ XXXX. I called again on XX/XX/XXXX and was told they see my notes from XX/XX/XXXX ; however, no action has been taken. This entire 8 months I was not able to speak to anyone in charge, nor have they returned any calls from Consumer Affairs. 
I am not sure what kind of accounting practice they use, but I feel like I am an exploited senior. I had to cash the check to pay bills ; I was not accepting that as I was paid in full.

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 2022-05-19 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:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-05-19 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXX 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