vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want incorrect information to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: NY

Complaint narrative:
I want incorrect information to be removed 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NC

Complaint narrative:
It has come to my attention, that XXXX XXXX XXXX has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without me first verifying the information they have on file. How can I verify information that doesn't belong to me?

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 2023-09-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express e-gift card - you can not use it online or in your XXXX XXXX. 
Keeps being declined and has a balance over the transaction amount. 
I called customer service numerous times and it is just automated with no person answering. It is very frustrating as would like to use the money. My boss sent this to me as a thank you for extra work and I can't even use it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your XXXX, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your XXXX, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, 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 2023-09-27 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: NV

Complaint narrative:
ATTN : DISPUTE/XXXX XXXX XXXXXXXX RE : FRAUDULENT HARD INQUIRY/COLLECTION Please be advised that as of ( XX/XX/2023 ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries/collection listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice,

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
All debts have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I dispute the debt for validation, the consumer could not provide me with validation but only to send me a statement.I requested a signature contract proving that I allegedly owed them a debt and asked them to cease and desist collection efforts and to remove any negative remarks from my credit report. The consumer also shared my personal information without my written consent with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX we filed a complaint against Veterans United Mortgage bank. The complaint was because in the month of XXXX of XXXX, our mortgage bill was close to XXXX XXXX dollars more than the actual monthly payment. We called the bank to find out why but no one in the call center could explain to us anything. In one of the many calls, we were told that the bank had paid something off and now they wanted the money back, but with no other explanation or break down of what they paid. On XX/XX/XXXX, my husband had a conversation with XXXX in the call center, and my husband questioned her about the escrow being so high, he told her that we had already received the property tax and we have the home insurance numbers. XXXX requested to have the documents faxed to her. The documents were faxed the same day and we waited for a call back. Because of the holydays we could not get any response or help, so in XXXX we began calling again and still no call back or no acknowledgement that the documents had been received. Meanwhile again we sent in our regular payment and again we disputed the difference because we are still waiting for an explanation for the fees. Unfortunately, we did not receive a response son on XX/XX/XXXX, we filed a complaint with you the CFPB, and on XX/XX/XXXX, we get a call from XXXX XXXX from the management team. We explain to her what was happening and she said she was going to do an investigation. We finally got the answer and a break down of what happened they apologized for the inconvenience however they reported us 3 times late on our mortgage. That reporting damaged our credit and that will not change till XXXX. We were the ones proactive on this matter, we made calls after calls and basically every single representative lacked the knowledge or the training to provide us the information needed to have this matter resolved on a timely manner. The bank has now sold our loan to another financial institution and they refuse to remove the information from our credit files.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Hello. Over the summer of XXXX my loan service provider was switched from XXXX XXXX to Freedom Mortgage ( current provider ). This was done outside of my scope of control without my authorization ( since companies are allowed to buy/sell contracts ). 

When Freedom Mortgage took over our account, they conducted an Escrow Assessment. They recognized that we had an excess escrow amount of {$3200.00}. This assessment was done prior to XX/XX/XXXX. We received an email from them around the end of XXXX notifying us of this payment due to excess escrow. 

By law, the service provide must provide payment within 20 days from the date of the analysis ( as long as all mortgage payments are up to date ). 

Fast forward to the XXXX of XXXX and my wife calls asking where our check was. They said they mailed it out on the XXXX and we still not receive it ( 3 weeks ). Freedom mortgage then said they would cancel that one and issue a new one. I then call on Monday XX/XX/XXXX asking the status of the second check. They informed me at that time they had no information about it being issued. But advised they could instead do an electronic funds transfer and that they would cancel the second check. 

I called back the following day to check the status of the electronic funds transfer and after speaking with a manager I was told that the request was cancelled internally by their company. They not only cancelled the two checks, but they also cancelled sending my wife and me our money via electronic means. They stated they weren't allowed to distribute excess escrow via electronic transfer, even though another one of their reps explicitly told us the day before they could. 

When I spoke to the manager she stated they would mail ANOTHER check, and it would take 5 days to process, then XXXX weeks to be delivered by mail. At this point it is extremely clear that the company is breaking the law and holding/withholding payment of excess escrow. This is governed by law and in now way did they attempt to rectify the situation in anyway. They told us we had no choice but to wait. We are past the 20 days and are about to past 30 days. They need to electronically transfer our money immediately. By law they can be sanctioned or face penalties for withholding money. This is not a good faith effort or attempt whatsoever and are delaying tactics designed to prevent disbursement as long as possible. Their reviews on XXXXXXXX XXXX, and many other websites attest to these fraudulent schemes that they consistently employ ( thousands of 1 star reviews ). It is sickening ( and extremely illegal ) how much they are taking advantage of Veterans!!!

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 2023-09-27 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: CA

Complaint narrative:
I want to file this complaint with TRANSUNION.I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction

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 2023-09-27 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: CA

Complaint narrative:
I want to file this complaint with EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: LA

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.

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 inructions 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 2023-09-27 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: Experian Information Solutions Inc.
State: LA

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.

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 inructions 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 explanation
Consumer complaint received 2023-09-27 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: MI

Complaint narrative:
For months now Ive been trying to get information and asked them to investigate this collection ( ( National credit Bureau ) ) on all 3 credit bureaus. 

The credit Bureaus told me that all the information was verified but with XXXX XXXX dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all 3 bureaus are inaccurate, last date accurate not reported. 

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: MI

Complaint narrative:
For months now Ive been trying to get information and asked them to investigate this collection ( ( National credit Bureau ) ) on all 3 credit bureaus. 

The credit Bureaus told me that all the information was verified but with XXXX XXXX dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all 3 bureaus are inaccurate, last date accurate not reported. 

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-27 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'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.

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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
It has only been one month since interest accruement restarted. I owe a Current Principal of {$48000.00}. They say the Accrued Interest as of XX/XX/23 is {$460.00}. However, my interest rate is 6.800 % and one month of interest should be around {$270.00} not {$460.00}. Please look into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation