vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX # XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX  # XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX # XXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it! 
XXXX XXXX  XXXX # XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXX # XXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have a checking and savings account with m & t bank. 
M & t bank closed and blocked access to my account for 7 days due to a check coming back unpaid. I spoke with XXXX XXXX at XXXX who told me my account was being closed with pending disputes. And that she would not let me access those funds while they are investigating because I was lying about the disputes.i was also threated with law inforcement by 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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Ally Financial to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Ally Financial has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Ally FInancial did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Ally Financial and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Ally Financial has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) Ally Financial does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Ally Financial and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!

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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX, we moved out of an apartment complex ( XXXX XXXX Apts ) with all rent and fees up to date and in good standing. 

There was no contact from them about any outstanding debts or rent owed. On XX/XX/XXXX, I receive a letter from National Credit Systems , Inc . They claim I owe {$630.00}, the price of rent from the apartments with the apartments listed as the client. I send on a dispute letter asking for verification. 

They sent another letter on XX/XX/XXXX where they said they are aware I dispute the amount and did not find sufficient evidence to support my claims. With this, they included a document which " itemizes the charges assessed by the original creditor '' this breaks down that rent was XXXX nd utility charges were XXXX, which match the rates at the time of leasing from them, but nowhere on the charges does it state which month this is supposed to be due for. 

I sent them a reply which asked which month this was supposed to be for and that I do not want to pay for something that was already paid for. My roommate of the time has bank records of all our months of paid rent and we could provide evidence but they do not say what this is for so we have no way to provide the evidence. The only date on the verification was our move out date, and our bank records have that month as paid. 

Next I received a letter from XXXX XXXX ( lawyer ) on behalf of the collectors. He just repeated the same information and I once again asked for more specifics. his first letter was XX/XX/XXXX. 

On XX/XX/XXXX, after asking for the specifics of the debt to be able to counter their claims, I received another letter from XXXX XXXX notifying me that their client was willing to settle at substantial savings to me. I replied that I was willing to settle for {$0.00} and to have the matter taken off my credit report as I still believe this is not something I owe and proof of what month this is for was still not provided. They have not responded since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Contact info Name PROFESSIONAL DEBT MEDIAT Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-11-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Due to many problems encountered with PHH MortgageXXXXOcwen XXXX XXXX ; I decided to refinance a Mortgage that was supposed to be payoff XX/XX/XXXX. 

On XX/XX/XXXX, I refinanced my Mortgage with XXXX Mortgage. During that process, PHH Mortgage has fraudulently reported an incorrect PAYOFF AMOUNT to XXXX  Mortgage. My mortgage unpaid Balance with PHH Mortgage was supposed to be {$100000.00} as of XX/XX/XXXX. However, PHH Mortgage has fraudulently requested a PAYOFF AMOUNT OF {$110000.00} from Rocket Mortgage. 

PHH Mortgage received {$110000.00} on XX/XX/XXXX when it supposed to be {$100000.00}. 
That has created many problems : XXXX. {$4500.00} = {$110000.00} - XXXX Overage of {$4500.00} and has never returned appropriately. 
XXXX. PHH Mortgage has refused to returning the Overage to XXXX Mortgage or XXXX where the overage has came from or the Lender who sent the money. 
XXXX. XXXX XXXX who financially supported the Transaction Originally was not or never listed on the Deed of the Mortgage. PHH Mortgage refused to return the Overage ( {$4500.00} to XXXX XXXX XXXX XXXX same company that sent the fund or payoff to them. That created another problem because ( I, XXXX XXXX is liable to repay to XXXX XXXX XXXX ( $ XXXX ) when I did not receive that amount. Overall, the payoff should have been {$100000.00} as of XX/XX/XXXX XXXX. I do not see why I must be repaid to XXXX  Mortgage $ XXXX when I have not never received that amount during the refinance. Please see attach. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
For years, I have not been able to login to the Experian website. I have tried multiple times to get this resolved and in the end, I am ignored and so I give up. My most recent escalation case with Experian is XXXX and it has been over a month since the issue was escalated this time. I have emailed Experian using their email address multiple times and now, once again, not getting any response. When I use their link " forgot my XXXX '' I am able to verify my identity and I receive an email with my current XXXX, which has always been my XXXX. When I use their link " forgot my password '' the system asks for my username. When I submit my XXXX, their system says that my XXXX  does not exist. I am able to request a password reset link from Experian 's phone system and reset my password that way but I still can not login, despite resetting it multiple times. I have tried multiple computers and multiple web browsers. I have worked professionally in IT for over 20 years, I think I know how to login to a website and I have NO other issues with XXXX or XXXX. Any help the CFPB could provide to get this resolved would be greatly appreciated.

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 2022-11-14 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: IL

Complaint narrative:
THIS IS NOT A REPEAT ADDITIONAL INFORMATION HAS BEEN SUBMITTED! I did send paperwork showing from multiple credit agencies, including TransUnion online. I printed these papers out, showing no changes on my credit score prior to my credit score decreasing. I sent about 6 pages, along with a description of why Im requesting the points back. It was clear. Everything I sent was proof as well as provided the reason. However the letter they sent indicated that they didnt see this information on their site or on their end, and advised me to look at my credit report. Looking at my credit report has been their answer for everything. That didnt and doesnt resolve this situation. This is not a situation of change on my report. The issue is change on my score. And it was after the inquiry was removed the same exact date. I received an alert from multiple credit agencies showing my credit score decreased and the reason it did. I sent all that to Transunion. And they have done nothing, but continue to ask me to review the report, which isnt resolving my score changes. I even showed them a paper that showed no changes until the inquiry was removed. Their system they use that provides the formula for the mix of consumers credit report, caused this. And now they wont fix this, wont take responsibility for it. And keep pushing it to me. They are acting as if I didnt already send paperwork to them in the mail, they are acting like I didnt write a letter Clearly telling them the reason. And asking for my XXXX  points back to my credit score. They received the request and paperwork because they responded in a letter but the letter only said they didnt see this on their site, but my score is different now, so they wont see it. However they seen what I showed them and sent them in the mail. To prove the removal of the inquiry Decreased my score, and they didnt provide the XXXX  points I lost back to my score. They have not done anything but removed the inquiry. But didnt fix my score decrease. They are deflecting from the issue. They have the capability to look at my score XX/XX/XXXX or XXXX to see what it was, then look at XX/XX/XXXX to see the change. They know they removed the inquiry that date and it would be crazy to deny that, that was the cause when they can look at the activity themselves on my credit report and score. Nothing has changed and I have already sent in the mail what they asked for last month in XX/XX/2022, they have it. Now I want my points to be added back. All XXXX  points

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 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
This is in addition to complaint XXXX. The company still won't respond to my emails and now they have raised my payment to {$1800.00} per month, even though sent a document that state that our payment would be {$820.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AL

Complaint narrative:
XXXX  XXXX Bankruptcy Court : XXXX XXXX CT AL XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?

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 2022-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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