vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a credit score alert, XX/XX/XXXX about a debt collection that was reported to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$920.00} from a company called, " XXXX XXXX XXXX '' previously called XXXX XXXX XXXX XXXX. This account was reportedly opened on XXXX XXXX, XXXX. Upon further investigating this company, I can not find any information other than they collect debts and have several other complaints filed for the exact same thing! I called XX/XX/XXXX to inquire what this " so called debt was for '' and that I've received no phone calls, emails, or written notice regarding this debt. They stated it was for past due payments for a magazine subscription back in XXXX. I've never subscribed to any magazines nor does it make any sense that a magazine subscription would cost over {$900.00} and I have never received a single notice for this debt. I called XXXX XXXX for further Investigation and they did not find a single magazine subscription payment under my name. Now after disputing this with XXXX who then took the Collection account off of my credit report, EXPERION still refuses too even after sending them information on how I've already previously disputed this with XXXX and filed a report with the FTC! I cant even file a police report because both EXPERIAN and XXXX XXXX XXXX can not provide me with any information regarding this Collection and who the original company is that reported the collection account. These people were rude and could not provide me with any accurate information or details regarding this situation and just kept telling me to, " pay the debt ''. The company is a fraud! And I've already seen so many complaints about several others receiving the exact same collection notice for a subscription they NEVER subscribed too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian does not allow me to manage my credit freeze online without agreeing to terms and services beyond the scope of managing my freeze. Effectively they force me to sell my information and sign up for other services and despite claiming the ability to opt out there's no clear path to do so. So I'm effectively blocked from managing my credit freeze online. Calling the number provided leads nowhere. 

Attempted to contact by phone XX/XX/24

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
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. 

Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX Account Name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 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 2024-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: OH

Complaint narrative:
After a very lengthy process of sending information in and resending information the loan application was transferred to another document person that requested same docs over again but highlighted information and right before the application goes to underwriting I was told to add Discover to my insurance policy as a lien holder. I asked if I was approved for a loan and was told no, but the application could not go any further without having Discover added to the policy. I explained they do not have an insurance interest without a loan. I was then denied because I would not put Discover on my policy. I feel the process is not ethical or fair and putting Discover on my policy would be a deal breaker until they have an insurance interest and confirm I will get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc.
State: PA

Complaint narrative:
I have had an account with Veem for some time and today, I received a somewhat large ( to me ) payment from a client for a deposit on funds I need to access today to complete work for them. 

Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. 

The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. 

So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
They are just going back and forth in letter correspondence denying the loan modification saying that the Net Present Value to the investor isn't enough based on the value. And when I ask for clarification and send proof of other liens against the property that should count against the totals they are not explaining why it doesn't make sense or doesn't work that way. Then they say to reach out to mortgage relief programs that are already closed to new applications. So it's very frustrating to have been misled into a situation to get help with forbearance only now to make the situation worse with no hope in sight for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon detailed inspection of my recent credit report, I identified several unauthorized accounts that seem to have been included without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the Fair Credit Act and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Shortly after they had fixxed my last filed complaint with the consumer protection bureau, I received an email from money lion stating suspicious activity on my account. Becuase I added money from my XXXX XXXX, onto my money lion account then I venmoed ot to my XXXX XXXX XXXX daughter while she was on vacation with her dad in XXXX. My daughter doesn't have a XXXX XXXX, I allow her to have XXXX bank card. So I transfered the money from my XXXX XXXX, to money lion account. My money lion card is attached to my XXXX and is how I send my XXXX XXXX XXXX daughter, XXXX XXXX, money when she needs it. I then proceeded to XXXX my daughter XXXX dollars for sneakers while she was in XXXX  with her step mom and her dad. Money lion flagged this as suspicious and blocked me from all and any access to My money lion bank account. They emailed me asking for documents, which I provided. Then continued to tell me that someone would contact me in XXXX hours. They received my documents and to wait for then to contact in XXXX hours. XXXX  days later, they took money out of my other bank account for an instacash repayment. But still no contact as promised and no access to My account. Now over the phone they are telling me that they need XXXX to XXXX business days to give me access to My account. This can't be real. I get paid once a month. They are trying to tell me that they are not giving me access to My own money ... from the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Received notice my mortgage payment was changing from {$1400.00} to {$2600.00} due to a shortage in my escrow account for County Taxes.My mortgage payment does not include County Taxes as an escrowed item, as when I closed on my loan I had an escrow waiver for condo insurance and property taxes. The ONLY escrowed item allowed to them to service is FLOOD insurance and that is only because Federal Law allows them to demand it be escrowed. I demand written response that my payment starting XX/XX/year> will NOT include any changes due to County Taxes or Condo insurance since Mr. Cooper as Mortgage servicer does not have the right to now assume my tax or condo insurance payments beyond FLOOD insurance Since my flood insuance has not gone up, and since I will have {$950.00} in my escrow after my XXXX XXXX XXXX payments are made, there should be no increase in my monthly payment. My flood cost is still anticipated to be {$900.00} for next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my credit report back on XXXXXXXX XXXX2024 and noticed some things VERY inaccurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter to Experian INDIVIDUALLY asking them for full reports on how they validated, verified & how they are in compliance also I asked for Concrete evidence of this account such as signatures etc of these accounts listed below XXXX XXXX XXXX  XXXX [ Account Number ] [ XXXX ]. Open date is not reporting correctly, Date last active, Date of last payment is not correct, this account is not accurate in any shape or form. 
They have not responded to me and heres my tracking number [ XXXX XXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX I file a complaint against Bank of America for unblocking my access to my credit via using my Bank of America issued credit card. This was done after I spent over 2 hours on the phone with Bank of America 's customer service department on on XXXX XXXX XXXX I received an email from Bank of America informing me they will reducing my credit limit from {$5500.00} to {$3700.00}. This is an act of retaliation for me filing a complaint with the CFPB against them and a violation of my consumer rights pursuant to the Equal Credit Opportunity Act ( ECOA ). They have already violated my consumer rights under the Truth in Lending Act ( TILA ), now they are violating me under another federal law. I'm asking the CFPB to alert the proper authorities of the crimes Bank of America has committed against me. Under both TILA and ECOA, violations carry civil and criminal liabilities. They have already caused me hardship by blocking my access to me credit, now they are attempting to further diminish my ability to engage in commerce by reducing my access to my credit. 

I haven't checked my consumer report yet. However, if Bank of America has reported a late payment on my consumer report, this will be the 3rd federal law they have violated my consumer rights under. I did not make a late payment. I paid the bill on time. They are alleging I failed to make the minimum payment, which I fervently disagree. 

The CFPB was establish to prevent and stop these kinds of abuses creditors inflict on consumers. Please put an end to these abuses I'm experiencing at the hands of Bank of America. 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What could possibly worse than having your complaints sent out only for it to not be fully attended to? I sent a complaint a month ago about the inaccuracy on my report, none of which has been taken care of so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not associated with these listed creditors or the inquiries shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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