vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. Under15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove the late payments from my report as they are violating my rights. Please send me a copy of my report when this has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was going to sell the property at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, therefore on XX/XX/XXXX, I called Ocwen Loan Services loan asking for the payoff of my loan. I was told the amount and then later on XX/XX/XXXX, I was told the amount was {$43000.00} more than the amount quoted over the phone with a representative. I did a modification loan back in XX/XX/XXXX and was given a 1099 for cancellation of debt of {$64000.00}. The lender stated that I defaulted on the modification in making my XX/XX/XXXX payment late ( pass 89 days ), therefore they put {$43000.00} back in the loan amount. I asked them to provide proof of the late payment from XXXX XXXX XXXX XXXX, but they could not provide. I attempted to obtain the receipt from XXXX XXXX and was told that I needed to obtain it from Ocwen Loans Services. I was very drained and frustrated at the time so I tabled the issue until now. Another frustration was that I explained if I had defaulted why I did not receive notification in the mail of this and why was the house not deemed for foreclosure. Nothing came up about a late payment until I decided to sell the house in XXXX. I never received a corrected XXXX either and therefore I was not able to amend my taxes. I am currently trying to refinance my house and the issue has presented itself again. I am disputing the {$43000.00} that they rolled back into the loan and in addition to that the 25 % they will profit off of the refinance or sell of the home. The XXXX ( XXXX XXXX XXXX ) was to the life of the loan. This all just seems very predatory and excessive to a homeowner who at the time was newly divorced and financially struggling. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received Bank of America 's ( BOFA 's ) decision for their review of my CFPB complaint XXXX. I reject the accuracy and support for their decision and their actions that caused my complaint and severe damage to all three of my XXXX  scores. According the attached excerpts from my XXXX/XXXX XXXX XXXX report for my two BOFA cr cards reviewed, XXXX reports a " status '' of " open, never late for the related pmts and an " Exceptional payment history '' for both cards. The first attachment is for card ending XXXX, {$2900.00} cr limit, and the second attachment is for card ended XXXX, cr limit {$2100.00}. Both excerpts show each individual XXXX  through end of XX/XX/XXXX. BOFA 's unreasonable reductions of my XXXX  limits for these cards was solely due to the fact I accidentally paid {$25.00}, posted XX/XX/XXXX, for a {$35.00} min pmt due XX/XX/XXXX. XXXX reports this pmt as made on time as does my XXXX XXXX report. Also, why did this XXXX XXXX also cause BOFA 's decision to severely reduce my cr limit on card ending XXXX? During XXXX I paid {$2400.00} on this card leaving a {$2000.00} balance. If BOFA says this one XXXX  did not cause limit reductions for both these cards they are being dishonest. In fact, the several reasons they gave me for the these reductions are disproved by my attachments.

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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Southeast Toyota Finance claims that my {$10000.00} payment and the XXXX bank payoff check were processed concurrently, and that this caused an accounting problem, and that they have referred the problem to their accounting department for correction. However, it has been about a week since I talked to them about this problem, and about a month since they have been paid in full, and they are still showing a balance on the loan on my account on their website, without the XXXX payoff. Furthermore, I think that they owe me money, having been overpaid. 
The XXXX payoff to XXXX was {$18000.00} on XX/XX/2024. My {$10000.00} payment was credited to my XXXX Account on XX/XX/2024. I speculate that since the XXXX payoff was processed first, that this hung up the transaction, somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding Credit Collections ' failure to respond to my validation request concerning an alleged debt reported on my credit reports. In XX/XX/year>, I reached out to Credit Collections to validate the debt they are reporting on my credit reports. Despite multiple attempts to communicate with them, I have not received any response. This lack of communication has caused me significant frustration and has resulted in multiple credit denials, impacting my financial well-being. 
It is deeply concerning to me that my request appears to have fallen on deaf ears. As a consumer, I have the right to dispute inaccurate information on my credit reports and to receive a timely response from debt collectors. However, Credit Collections ' failure to acknowledge or address my dispute request represents a clear violation of my consumer rights. I urge you to investigate this matter promptly and take appropriate action to ensure that Credit Collections complies with the laws and regulations governing debt collection practices. Your intervention is crucial in resolving this issue and protecting the rights of consumers like myself. Thank you for your attention to this matter

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquires need to be removed : XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NY XXXX is fraudulent and dose not belong on my credit report a lot of new fraudulent accounts are attached to this address

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NY XXXX is fraudulent and dose not belong on my credit report a lot of new fraudulent accounts are attached to this address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank is acting on Amazon store card to fraud me my hard earned dollars. Last month I was paid {$120.00} to this same bank account and this month again they sent me {$26.00} to pay them for not buying anything from Amazon or any services rendered for me. This is a serious fraud of obtaining money from innocent people. Thanks for assisting me to cancel and regained money sent to them last month please

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently reviewing all three of my credit bureaus from Trans Union, XXXX, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently reviewing all three of my credit bureaus from XXXX XXXX, Equifax, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX, XXXX continues to incorrectly report the accounts listed as XXXX XXXX  XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer 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 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SANTANDER HOLDINGS USA, INC.
State: ND

Complaint narrative:
On XX/XX/XXXX, I received a refund letter on a debit card from Chrysler Capital with an amount {$400.00} and I would like to request an exchange for a check. I will appreciate it. Thank you. 
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX. I attempted to open an account with this agency and was denied so. I went back to this company to present my credentials again and waited XXXX hours, before I left the property angrily. I feel as though Ive been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/2024 Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY

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