vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONXXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit XXXX did not provide proof of the collection. They are always rude and only want to collect money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

| *** *** see attached documents XXXX XXXX  XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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

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 2022-08-03 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: MD

Complaint narrative:
Municiples employees XXXX  Municipal employees XXXX  Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

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 2022-08-03 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: MD

Complaint narrative:
Municiples employees XXXX Municipal employees XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NJ

Complaint narrative:
I have been trying to dispute an account in collections that is reporting inaccurate information/amount owed to Equifax. I have a document that shows there is a discrepancy with the amount reported, Equifax agents agreed over the phone on different occasions ( Last conversation over the phone XX/XX/2022 ) that the amount reported is wrong, but they refuse to remove the information. This is after a formal dispute has been filed online. Amount reported to Equifax is for {$2700.00} from XXXX XXXX XXXX XXXX. The Document provided to Equifax shows {$2400.00} from XXXX XXXX XXXX XXXX. Last dispute to Equifax was submitted on XX/XX/2022. Investigation was completed by XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below. 

I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan.. 

XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX. 
XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}. 
XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it. 
XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX. 
XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs. 
XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file. 
XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property. 
XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal. 
XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney. 
XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB. 
XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad? 
b ) When did the property become HUD insured? 
c ) What's the date the lender place the insurance on the property? 
We ask that PHH takes these matters seriously, and that all can be addressed expeditiously. 
We look forward to your responses. 

Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank checking account ending in XXXX. I tried closing it and called XXXX. 3 transfers and after that i spoke to XXXX at XXXX pm to XXXXpm. Already I was on the phone for 35 minutes and my time is valuable. 
This guy XXXX was asking way too many questions that one should be asking for closing the account. He didn't close the account and I told him that i will file CFPB complaint for this. 

US Bank is recently fined for opening sham bank accounts so I understand that US Bank will create obstacles not to close the account. Moreover US Bank hire very cheap XXXX workers rather than talented and hard working XXXX workers for their IT/operations work.

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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX This debt is paid and reporting {$0.00} balance but still hurting my credit score. 
This issue came about during the Covid19 outbreak and was just a balance due after I moved out of my apartment. I didn't receive the statement because of staff shortage and the apartment complex not getting it to me promptly. I knew about this bill when I saw it on my credit report and I paid it immediately as you can see from report to paid date. My rent was over a {$1000.00} per month so I wouldn't have purposely let this smaller amount ruin my good credit.

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 2022-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/2022. I was notified of charges on my Sear Shop My Way card. {$660.00} was charged on account XXXX. The account was closed and a new card issued ending in XXXX for {$1500.00} and {$240.00}. I have tried several times to contact the Fraud department with no help or resolution. Today XX/XX/2022 that they could not help me because the account was closed for fraud. I am a victim of identity theft and have been trying to file a police report in XXXX, Mi and they are the reason I can not.

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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I completed a XXXX XXXX of 5 years, and it was finally discharged XXXX of XXXX. I recently applied for covid assistant thru XXXX. This is a state funded outside agency to help with covid relief and mortgage payments. XXXX sent my mortgage company PHH Mortgage a relief package to fill put and email back in the beginning of XX/XX/2022. XXXX did not get a response, so they sent another packet via email and still didn't get a response. I called PHH Mortgage to see the issue and nobody can help me I was transfered around and hung up on twice. Once person before hanging up told me my account Is represented by an attorney and is in a XXXX XXXX  and it isn't. I can't get assistance to pay because they will not listen to me and release my mortgage out of this status and also will not allow me to speak to anyone about it. Pleased help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
Accordance with the Fair Credit Reporting Act XXXX Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

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