vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts, Experian has not responded to my request, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian is reporting an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported a late payment for the account under XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Experian removes the late payment notation from my credit report. 

Experian has provided inaccurate information regarding the XXXX XXXX account, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$25000.00}. The reported high credit amount is incorrect, and I request that Experian corrects and updates this information on 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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I filed Disputes for items.not received with revolut bank and they refused to honor the dispute. Instead they closed my account and sent me emails saying they could not dispute as the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I logged into my Cross Country account to verify that the payment from the Department of Economics had been sent to Cross Country Mortgage it was at that time I noticed the payments hadn't been posted. I then contacted DEO and was advised the payments had been sent. I waited and then contacted Cross Country multiple times during this time I was going back and forth with DEO and Cross Country Mortage at that time we received our bill which stated we were past due for XXXX and XXXX and we were at that point in XXXX and Cross Country said that they has still have not received the payments, but DEO said all payments had gone out, on XXXX I spoke with XXXX with Cross Country she advised me they were still waiting on the payment my husband and I called Cross Country two or three times a day we were still being told they didn't receive any payments. Then on XX/XX/XXXX, I spoke with XXXX from Cross Country and DEO on the same call DEO advised XXXX that on XXXX payments were reissued to Cross Country. Cross Country stated they returned the payments back to DEO as they were now going under the name XXXX XXXX, as consumers we never received any information about a name change nor that our Escrow was short and Insurance was going up. 
On XX/XX/XXXX I spoke with XXXX from C.C.XXXX XXXX XXXX she stated don't worry they will locate the payments and she doesn't understand why payments were returned back to DEO, ( ) but DEO hasn't seen any returned payments. She did verify that XXXX XXXX is also C.C. she then informed me that a payment to Cross Country came in and will be posted in 24 to 48 hours. I called CC and spoke with XXXX to see if they had located any other payments she stated no and it could take up to 30 days for the payment to appear on the online service. On XX/XX/XXXX we spoke with XXXX from C.C. She advised me she would send an email to XXXX. department to contact me she also said no payments were received. On XX/XX/XXXX I called C.C. and spoke with XXXX put a note in to have XXXX. contact me and that the company would generally send a letter about changes and I advised her they hadn't. During this entire time, we had been in contact with DEO sending emails and speaking with representatives. even with the continuous communication between Cross Country and DEO, Cross Country due to this problem has affected our credit reports which have dropped our credit rating by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Since XX/XX/ I have been working with a hud certified housing counselor community partners for affordable housing and Illinois assistance fund applicant # During this process we have made numerous attempts to have Phh mortgage respond to said paper work that was sent to them with the attempt to resolve the shortage of mortgage payments through via government grant. IHDA has made numerous attempts as well as home owner, housing counselor and we keep getting either no response or that IHDA is not sending proper documents or they as in PHH mortgage is waiting for IHDA to respond. XX/XX/ had a zoom meeting with judge, mortgage counselor and Phh mortgage lawyer to close the case and resolve the shortage Phh sent a temporary loan mod of {$1300.00} per month for 3 months with no loan modification XXXX explained that we were waiting for IHDA to determine if I will recieve the grant and that the temporary loan modification was not affordable. IHDA has been requesting A payoff document as to determine the amount that they will need to send PHH mortgage to make mortgage current. 
AS of XX/XX/ PHH has yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a prepaid XXXX gift card which advised that if I wanted to use it online I needed to register online. I attempted to register the card and system advised me to call the card center. I was instructed to upload a picture of the front and back of the gift card and a picture of my driver 's license, which I was hesitate to give a picture of my driver 's license, but was told they wouldn't activate or reissue my card with no official government I.D . I followed all instructions, including uploading the required documentation and when I clicked submitted, I got an error notice and was told to do it all over again, which I did and got the same error notice. Now the website tells me to call the card center again. 
This is an arduous process in which it appears to be a deterrent by the card company to make the process frustrating and time consuming so the gift card recipient never uses the card, thereby allowing the card company to keep the money. 
This is far from the only time this has happened to me, as a matter of fact it happens quite often and this time I decided to make a complaint.

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 2023-06-01 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:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/2023, and they are showing a balance is still owed as of XX/XX/2023, which has a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Bank ( 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 a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I saw a new report about the company. 
I looked at my account and discovered that even though my interest rate is 2.875 %, the principal going to my mortgage is {$460.00}, the interest is {$550.00}, the escrow is XXXX. 
I even added an extra XXXX a month to help pay off the mortgage early. 

My upaid principle balance is the same as the amount I paid on my home 3 years ago. 
At this rate I can not pay off my mortgage in 30 years, which was promised. 
I am hoping you can assist me. 
Thank You for what you do.

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 2023-06-01 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: CA

Complaint narrative:
I have several hard inquiries on my credit report from TransUnion that are not authorized and are fraudulent and would like to report and also have them removed

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 2023-06-01 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: NV

Complaint narrative:
I want to inform the Experian Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to REMOVE any inquiries listed in Identity Theft. Once again HERE IS THE LIST OF INAUIRIES THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2023.

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 2023-06-01 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: GA

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2023-06-01 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 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 an 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 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 2023-06-01 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( XXXX, XXXX XXXX Transunion ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian recently notified me via email that my credit score has been changed. Review of my credit score through Experian revealed tha my credit score fell from XXXX to XXXX due to report by XXXX XXXX  stating that there is a 30 days late payment that was not paid. 
This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted XXXX customer service. My complain was that the XXXX has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that XXXX XXXX  has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.

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 2023-06-02 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: MD

Complaint narrative:
I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK AS DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

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