vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 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: M&T BANK CORPORATION
State: NC

Complaint narrative:
I have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

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 2023-02-01 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: NC

Complaint narrative:
I have had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I have had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in response to a recent communication from XXXX XXXX XXXX dated XXXX XXXX XXXX, received XX/XX/, in regard to my request for a yearly tabulation of the rearranges. I have attached a response from PHH clearly stating my request and letter requesting additional time to provide me the information we requested. On XXXX XXXX XXXX I received a letter dated XXXX XXXX XXXX  that once again did not address my concerns. I have attached in a PDF communication from PHH stating my request and requesting additional time in order to provide me answers to my request along with the final letter I received XX/XX/, dated XX/XX/2023. The letter dated XX/XX/2023, received XX/XX/2023, did not address my request at all. 
In closing, our property has been posted for foreclosure. The information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources. 
The entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be. 
Genuinely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Finance investigation does not match records at all. 
The vehicle was repossessed 1 yr before they are saying. 
They sold the car and Ihave paid over XXXX for the car Everyone in america has been given discounts on loans credit cards and I have to pay over XXXX for a car I don't have I was in hardship of domestic violence at which time someone took my vehicle and your company said i didn't have a repossession however the man took my car and now Im being forced to pay over XXXX dollars for something I don't have I have also requested help for a fasified eviction and none of your complaint departments lawyers or we the people are not helping me. But I help everyone that needs me. Health care and Civil duty for the unemployed... I am an american asking for help from being a victim of domestic violence and I have been lost in the shuffle of paper work and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX TD Bank USA N A Nordstrom Inc Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I am filing a complaint due to inaccuracy being on my credit report. There's two dismissed XXXX XXXX XXXXs on my credit report. Letters and request online has been sent to have them removed. Information was submitted incorrectly and resubmitted without my knowledge. There is also a XXXX XXXX on my report that has been requested to be removed letters and request online has also been submitted but it has not been removed. I have advised the bureaus that the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately however no action has been taken. 

Bankruptcy disputes were sent on XXXX XXXX XXXX XXXX, and 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My name is XXXX XXXX on XXXX XXXX my son XXXX XXXX XXXX passed away. XXXX had a checking account with Huntington Bank XXXX XXXX, Indiana ) when i was notified XXXX XXXX was in the hospital by someone who had brought XXXX 's house keys and Identification to my home, XXXX 's cellphone was not among the items person brought too my home. One of the cards was an Huntington debit card. I made calls to Huntington Bank as well as another banking institution i was told they could not close the accounts without a death certificate, Court probate affidavit or Affidavit For XXXX XXXX XXXX XXXX. 
XXXX was laid too rest on XXXX XXXX. The death Certificate was signed and released on XX/XX/XXXX by the state. We went into Huntington Bank with all required documentation of Drivers license, Affidavit for transfer of assets without administration and death certificate. It was discovered an Fraudlent transaction had happened on XXXX account on XXXX XXXX in the amount of {$450.00} in XXXX XXXX XXXXXXXX XXXX Cell XXXX XXXX it was maybe 41 days since XXXX death, we were told too wait 45 days. Huntington replaced the {$450.00} cents back into XXXX account. XXXX did not meet the states Probate courts guideline. I spoke to an XXXX of Huntington on today XXXX, she informed me they would not be releaseing funds to me, his next of kin, they were withholding funds too go into Huntington XXXX. At the same time yhey are allowing XXXX too still process through XXXX account placing it into a {$58000.00} negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX reports my late payments without stating payments correctly and the balance is suspicious, as far as the balance each month

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
The keep calling from 20 different phone numbers and hanging up, its Midland Credit. I dont owe them anything and they are harassing me with robo calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
XX/XX/2022 ERC XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-02-01 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: DISCOVER BANK
State: PA

Complaint narrative:
I have attached a letter documenting everything that i can remember. 
I have been a victim of identty theft/fraud. Reached out to DISCOVER, XXXX XXXX XXXX  and XXXX XXXX XXXX. Approximately XX/XX/2022, I noticed that several of my above credit cards had been comprimised. I contacted each and the companies closed the accounts and reissued cards under different account numbers but did not address the fraudlent charges. I flagged my SS # with the credit bureaus, contacted XXXX XXXX police dept ( see attached ) and filed an incident report. In speaking with the detective, he stated that he was able to track some of the charges to a man/woman in Florida. Both my daughter and myself tried explaining to the credit card companies that I was a victim of identity theft. They stated I need to submit in writing which I did to all of the companies. They refuse to remove the charges.DISCOVER charges total approx $ {$15000.00}, XXXX  {$1700.00}, XXXX XXXX {$4500.00}, XXXX XXXX {$4900.00}. Discover did reverse the charges at one point but turned around and put the charges back under 1 card. 
I received a copy of the police report filed, I can not get a comprehensive copy of the police report. I was told that I needed to hire an attorney and go to court to get that information released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion keeps adding this account back after it's been removed. I have not received any notice that the account will be added back. 
The account is being reported as an open account and also has been re- aged.

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