vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I received disputes credit and my XXXX XXXXXXXX XXXX and PayPal is withholding my funds causing me to get kicked out of my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-25 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: NH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  keeps reporting that I had a credit card account with them until 2017 that I left unpaid or delinqent. It is different on every credit reporting agency report, so it's hard to explain, but I have never had a credit card or any revolving credit with them. Also, I have not done any business with them whatsoever in the past 10+ years. The only thing I can think of is that it could be overdraft fees on an old checking account that was closed over 10 years ago. 

They will not provide records to me unless I take off work and come to them in person, which I can't do without incurring even more adverse effects. It's too old for them to find records online but not too old for them to keep reporting it negatively. I don't have any records because it is such an old account, which I believed was closed without issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: LA

Complaint narrative:
After reviewing my credit reports, I noticed a collection with XXXX XXXX XXXX XXXX XXXX XXXX I do not have any contractual agreement in place or do I know who this collection company is I requested that validation from all three credit bureaus XXXX and Transunion. XXXX investigated the account in question and removed it from my credit file. I then sent a copy of the investigation results to XXXX and Transunion. Under the FCRA all bureau must be reported the same. If credit bureau to be in accurate, then all bureau must do the same, XXXX and Transunion has refused to remove the account has not provided any proof that I had a contractual agreement with this Collection agency

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 2024-06-25 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XXXX, a federal government-backed debt security was used to acquire a {$2500.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, PAYPAL HOLDINGS INC. presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, PAYPAL HOLDINGS INC. has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages.

A Notice of Rescission of Equitable Rights was sent to PAYPAL HOLDINGS INCXXXX with no response as of yet. XXXX XXXX XXXX XXXX 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing this scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX. I'm not too sure where else to go with this, but for the past few years I have been trying to figure out and resolve an adverse action on my account, which from what I understand is showing on my transunion report, however, I have pulled my credit report dozens times and there is no direct information on it whatsoever. I've taken to talk with Transunion over the phone multiple times, once for a couple hours trying to look into and figure out what it is from or where it even came from to no avail, they either can't find anything on their end and/or do not return a call when they tell me they will do so and I start the process over again. 

The only odd thing on my report is that XXXX of the special messages on the report states INPUT CURRENT ADDRESS REPORTED MISUSED AND REQUIRES FURTHER INVESTIGATION, and I'm wondering if that is the reason because I can't find any other reason. I don't know what that would even be from as I have not once misused an/my address or anything of the sort. I tried calling and talking to Transunion about that as well, yet no one found any information regarding that nor removed it from the report when asked. I was advised to see if maybe you all can help me track this down so I can get information need to resolve it. I really hope you can help me because I'm not sure where else to go with it.

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 2024-06-25 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: WI

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We had been fully transparent with our financial information during the application process. Our closing date for our new home was to be XX/XX/year>. Bank of America said that we can close sooner on XX/XX/year>. So, of course we agreed as we were under the impression that our paperwork and everything was good. We had everything we needed to move forward. XX/XX/XXXX, XXXX days before we were supposed to close, Bank of America called us and said that we were no longer eligible for the loan due to delinquencies that we informed them about. I put down {$20000.00} cash from my inheritance to purchase this house and due to Bank of America, we nearly lost both the house and my inheritance earnest money. We have since taken any of our funds away from the bank and are looking to refinance our auto loan with them. All we got from them were lengthy " we're sorry '' calls for damage control. There was no refund on any of the fees we had to pay through them. We do not want to see anyone else go through this, there are enough homeless people in this world.

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 monetary relief
Consumer complaint received 2024-06-25 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: LA

Complaint narrative:
After reviewing my credit reports, I noticed a collection with XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any contractual agreement in place or do I know who this collection company is I requested that validation from all three credit bureaus EquifaxXXXX and XXXX. XXXX investigated the account in question and removed it from my credit file. I then sent a copy of the investigation results to Equifax and XXXX. Under the FCRA all bureau must be reported the same. If credit bureau to be in accurate, then all bureau must do the same, Equifax and XXXX has refused to remove the account has not provided any proof that I had a contractual agreement with this Collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
I am writing to request that the following XXXX inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received and email from ( Credit Control ) attached is a screenshot of it. The email said it was in regard to a XXXX XXXX account and told me how to take care of the account online by visiting there website. So I clicked on the link and poof another bill is actually a completely different bill displayed ( from XXXX XXXX ). That seems like unfair collection practices. This ( XXXX XXXX ) other debt has been on my credit report for almost 7 years and soon would have disappear. Now I am afraid that since I clicked on it that it will reactivate the 7 year period. That is not right. 

Please help me. 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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX of 2022 got a letter said my account was overdrawn from a hotel purchase in Arkansas and I owed money. Answered all bank questions and letter from employer showing I was at work during the transaction.

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 2024-06-25 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: TX

Complaint narrative:
Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion, I just received my investigation results. Report # XXXX and saw accounts were verified. However, I have a few questions. What did you update? What did you modify? What did you verify? Did you really investigate my accounts? 
If you did, why is the open date different on the 2 other bureaus? Why is the date last active different? Why are My accounts still inaccurate? 

XXXX. ) XXXX XXXX XXXX  balance {$33000.00} Charged off as Bad Debt. Please provide the procedure of the investigation used to verify this account. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 
XXXX. ) XXXX XXXX XXXX {$490.00}. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 
XXXX. ) XXXX XXXX XXXX XXXX {$5100.00}. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 


Best Regards, 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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.

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 2024-06-25 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hi, I have an XX/XX/XXXX home loan XXXX XXXX  with XXXX XXXX  and XXXX  XXXX  with PHH mortgage. 
I have had this loan with PHH since XXXX for XXXX on a fix rate. I have been paying XXXX a month for the last 17 years. I called the other day to see balance and they tell me that I owe XXXX dollars. So, I ask because I had a loan modification in XXXX and the rate was to go down so I don't understand how it is I owe that amount when I have paid over XXXX dollars. I need help understanding and making sure that this is correct.

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