vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, EXPERIAN and XXXX continuing to reporting them.Please Help!

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 2022-01-18 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: NJ

Complaint narrative:
This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 . XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK

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 2022-01-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : XXXX information solely as to transactions or experiences between the consumer and the person making the report XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX FED CREDIT UNI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Date : XX/XX/2021 Unauthorized CashApp Amounts totaling {$2800.00} I filed police report of identity thief and theft of all my belongings for a theft I noticed when I awoke on the morning of XXXX XXXX. ( Due to error in reporting, my report wasnt officially received till a month later ) In the theft my credit cards were stolen along with my phone. 
i later find out my name, phone number, email address, and IP address were used fraudulent without my knowledge or consent while I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are EQUIFAX, XXXX and XXXX continuing to reporting them.Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been XXXX months. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never gave Equifax written consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This is also incorrect info reporting on my Credit report. No other Bureau is reporting this info on my report other than Equifax. Ive been disputing this incorrect info for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-18 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
filed a complaint with you with the CFPB XXXX XX/XX/XXXX and it was the case number XXXX - XXXX. 

I don't believe you addressed it a lot of the issues the issue number one was the attorney I had hired sent you papers all you had to do is sign them and the loan would have been paid off. YOU guys didn't do that OK you guys always kept saying we will do it. 

You say in that letter that I was the executor I was never the executor of my father 's estate If I was the executor in the estate they would have paid for the loan but I wasn't the executor and it executor needed prove that I was not on the loan. 

I show I have 12 hours I'm just calling the last 3 months when the judge said we're gon na give you a little while and then I went to court again and the Judge give one month extension. I still didn't get the letter The estate of XXXX XXXX XXXX was paying the loan off if I got proof that he was the only one liable for the loan. My lawyer even sent papers all you had to do was sign them and send them back and you couldn't even do that so I feel that was negligent on your part. After 2 years of trying to get that paper talking over 30 different people even relationship managers let 's see I've had 3 of those I think You said you sent me letters with the interest rate going up. If you look at the address you sent it to my dad 's house you never change the address in XX/XX/XXXX when I sent it with the birth certificate so I never even got the 1st one on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Continued calls to myself, my sister, my brother-in-law, my parents, my nephews, and my brother. Calls often are multiple calls in a row, threatening towards my family and disrespectful comments to my family members, disclosing information about the delinquency of my loan which I did not believe was allowed. If they want to harass me fine but family throughout this COVID pandemic is unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit Collection Service Opened XXXX XXXX XXXX XXXX Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. TransUnion has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to TransUnion to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been 3 months. These accounts do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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