vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH mortgage company bought our loan from our original mortgage company, ( who we had no issues with ). We have had nothing but problems with PHH mortgage. 
All our monthly payment were made before or on the due date until XXXX of XXXX  when they misappropriated our payment and did not post it correctly to our account. 
Two other months I made extra payments or double payments to try and rectify their allegations and bring our account current and get it straightened out. Then they started playing with the standard monthly payment amount to further complicate things. When we paid off more than 50 % of the mortgage, we removed the escrow because I was paying the insurance and taxes on our own, once a year. They still continued to take escrow amounts out of our payments until I called and asked why. 
The people working for this company are overseas and do not speak very good English and are basically reading from a script and can not help with financial aspects of the loan. 
I have sent my spreadsheet to the review and research dept at PHH mortgage company in hopes that someone there can make some sense of what they did. 
In the meantime, we are trying to buy another house and move out of the area where we are living, for better living conditions. When we applied for our loan we found out that PHH mortgage company had ruined our credit rating and now we are not able to get a loan for anything. We are very upset about this because we have always kept our bills paid up and do not carry any credit card debt or other high cost loans. We have {$800000.00} in real estate we are selling and will more than pay for the price of the new house. 
We do not feel this is fair to ruin our good credit over something that was not our fault to begin with and would like this company investigated and our good credit rating restored immediately. 
Please advise if you can help us with this mess. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Account Number XXXX Request for Debt Validation Pursuant to 15 U.S. Code 1692c ; 15 U.S. Code1692g & 15 U.S. Code 1681 e ( b ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation lo pay you. If the debt can not be validated as requested by law, you are required, by law via 15 U.S. CODE 1635 & 15 U.S. Code 1692g to delete/remove this " Charge off '' from my credit file. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962c ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Your illegal and inaccurate reporting has prevented me from securing an apartment rental, new car loan and increases in my current credit card - All of which I have written declinations for service due to your illegal and inaccurate reporting of my credit file. 

You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Nole : This notice Is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for Information only and is not a statement, election, or waiver of status. 

Regards, 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 2024-12-16 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 fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-16 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:
I am writing to formally notify you that I am a victim of a data breach and am requesting the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were part of the data breach, and I believe that they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 3. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$0.00} 4. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. DPEDXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXX  - Balance : {$7200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates acc

ording to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NJ

Complaint narrative:
In XX/XX/year>, I disputed an erroneous late payment reported by XXXX XXXX on my XXXX credit report for the month of XX/XX/year>. The dispute was resolved in my favor, with XXXX confirming the correction. However, in XX/XX/year>, the same incorrect late payment ( 60 days past due ) reappeared on my XXXX report despite being properly reported as " on time '' by XXXX and XXXX. 

I reached out immediately via email to XXXX XXXX and XXXX, including their legal departments, customer service, and executive offices, on XX/XX/year>, to highlight the error. Attached to my correspondence was the goodwill adjustment letter from XXXX XXXX confirming that the XX/XX/year> payment was timely. I requested an urgent correction since the error affects my ability to secure critical business credit lines. 

Despite resending my concerns several times ( including today, XX/XX/year>XXXX  ), I have received no response or acknowledgment from either party. This issue arises solely on XXXX, likely due to a reporting or system error, as my XXXX and XXXX reports remain accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent out the same request on five separate dates ( XXXX XXXX XXXX XXXX XXXX XXXX ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent out the same request on five separate dates ( XXXX XXXX XXXX XXXXXX/XX/year>, and XX/XX/year>XXXX  ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved 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 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I retrieved a copy of my credit reports XXXX, XXXX, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, Capital One Auto Finance appear on my credit reports as a hard inquiry that impacted on my credit score. The pre-qualify on the website indicating No impact to your credit score. I never further applied for an auto loan with this company at this present. This should have not been a hard pull Please launch an investigation into Capital One Auto Finance inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Capital One Auto Finance is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX 3 unauthorized charges where made on my Home Depot card on two different stores. They never used a pin # when purchasing the items. 
{$150.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$36.00} at city of XXXXXXXX XXXX XXXX - XXXX unauthorized charges were made on XXXX different stores. 
{$630.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Home Depot allowed the purchases to be made without asking for a pin #. I never authorized transactions.

After viewing the results of their investigation, which it states that an embedded chip and was used at a chip enabled card reader and I did not identify fraudulent transactions ( which I called right away after receiving suspicious activity via text ). And lastly it states that the information they had wasnt enough to support my claim. After reading this, I called reopen the claim and asked for them to provide video footage and I was told they could not do that. 
On XX/XX/XXXX, I was at work from XXXX. And XX/XX/XXXX, I was home and left to my sons basketball game and thats when I was notified about the suspicious activity. 
I ask that Home Depor do a better investigation. For the investigator to actually get up from his/her chair do go to the field and do the investigation, instead of running report and make a decision based on reports. I ask they they do a better investigation on how my Home Depot card was used. How used it by doing face recognition Show me that I did the purchases!!

These transactions are fraudulent and Home Depot should have asked for a pin #. How is it possible for Home Depot to allow purchases in these amounts and never ask for a pin # or 2nd identification. Home Depot should be protect the consumers and not make us an easy target for fraud.

Also, investigator never once contacted me for clarification.

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 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I received a call to my private cell phone number, today XXXX at XXXXXXXX XXXX  from the number XXXX ( XXXX ) XXXX identified as XXXX XXXX XXXX XXXX telling me that they had a debt to collect for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I told him that this was impossible because that debt had been fully paid by my health insurance company and that I needed him to send me all that information to my email. At that moment the representative, who was a man and spoke to me in XXXX, stopped " listening '' to me so I hung up the call.

Company response to consumer: Closed with explanation