vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: FL

Complaint narrative:
I was taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me incredible financial injury, it has caused me defamation of character, caused me to be denied a job, and I can not apply for credit because of this. It has seriously hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: LA

Complaint narrative:
I have been a customer with BSI Financial for three years. During this time I have never defaulted on the loan or been late. Recently I decided to sell my house and began the process with my realtor. I requested a payoff quote from BSI that was issued on XX/XX/2023. This was provided to the realtor and the title company. The payoff stated this amount was good through XX/XX/2023. BSI unbeknownst to me, sent out an insurance escrow payment of {$300.00} on XX/XX/2023. On XX/XX/2023 the title company wired the amount on the payoff quote from BSI to payoff the mortgage. On XX/XX/2023 I received a call from BSI stating they were rejecting the wire because it was {$300.00} short. After numerous calls from the title company and myself to BSI, there is still no resolve. Ive been informed that it is not their problem basically and that the payoff team doesnt take calls. XXXX XXXX, they emailed me stating my payoff was now almost {$700.00} because it is a 30 day payoff estimate. I called again this morning and was told Id just have to pay it and interest fees. Allegedly, theyd refund me any overages. I expressed that I shouldnt be responsible for interest all of these additional days due to an error on their part. The issue has been escalated to the presidents office there twice and still, no one will resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
THE RUDE AND UNHELPFUL COMPANY REPRESENTATIVES ARE RESTRICTING MY ACCOUNT BASED UPON THEIR UNTRUE PREMIS TO BEING UNABLE TO VERIFY MY IDENTITY WHEN IN FACT I HAD STARTED THAT IDENTITY VERIFICATION PROCESS LAST MONTH AND HAD ALREADY SUCCESSFULLY PROVIDED THAT TO XXXX. FURTHERMORE I HAVE TOLD THE AFFIRM SUPERVISOR ON THE TELEPHONE THIS DIRECT INFORMATION YET THAT PERSON IS UNABLE TO DIGEST IT IN THEIR MIND AND IT BOTHERS ME HOW PSYCHOTIC AND STUPID THEY ARE BECAUSE MY ACCOUNT SHOULD BE HANDLED IN A RESPONSIBLE PROFESSIONAL MANNER. I WANT THEM TO STOP MANUALLY TWEAKING IT AND STOP XXXX WITH MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Dear TransUnion, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX  XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, 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 2023-11-15 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MO

Complaint narrative:
Account not mines, Inaccurate information, Account has been posted on my credit report since the year of XXXX, I have reached out to this company and has disputed this account on numerous occasions., Company never reaches out to me to solve this situation.

Account is still revolving on my credit report as a revolving account til this day, this account should have been removed from my credit report, The account is pass nine years old and it should not be revolving on my personal credit report Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : 1. Credit limit : No information reported.

2. Amount past due : No information reported.

3. Date of last activity : No information reported and discrepancies across bureaus.

4. Deferred payment start date : No information being reported.

5. Balloon Payment date : No information being reported.

6. Scheduled payment amount : No information being reported.

7. Charged-off amount : No information being reported.

8. Date closed : No information being reported.

9. Date Last Active : Variances are present across two bureaus and discrepancies across bureaus.

10. Payment History : Discrepancies are noted across the two bureaus. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. Information is incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding Equifax to remove/delete this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am on an income-driven repayment plan for my federal loans. When repayment started, my first monthly statement specified a payment amount of {$96.00}. I paid {$140.00}. 

My second monthly statement specified a minimum payment of {$220.00}. 

Meanwhile, even after paying the {$140.00} ( which was an overpayment ), my total loan balance went up by {$450.00} from {$130000.00} to {$130000.00}. 

I called and spoke to someone in XXXX, and that person indicated that Advantage would send me a letter explaining everything. That letter never arrived. 

No one at Aidvantage can tell me : ( 1 ) why my monthly payment is changing, ( 2 ) how my monthly payment is calculated, or ( 3 ) why making my monthly payment still results in my balance increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MI

Complaint narrative:
Reported false information on credit report. I have no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: MI

Complaint narrative:
Reported false information on credit report. I have no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through Publix service loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company
State: MD

Complaint narrative:
Statebridge Co. 
Have called XXXX in the last month about a mortage that I never had with them! 
I thought the understood I dont have a mortage with them. This was a loan for a home in XXXX, Md. 
We don't live or have any home in XXXX, Md. 
Both call have been to my wife phone asking for me! 
They didn't have my phone number? 
They did give a loan ID. Number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 explanation
Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
This is yet another attempt by me to get the information corrected by this company. the company has provided the credit reporting agencies the wrong information. which in turn stopped my wife and I from gaining the equity in our home. They advised that through their research they never spoke with or had any contact with me regarding a forbearance. I clearly reached out to them in XXXX of XXXX. They responded in XXXX of XXXX. Several months later. Instead of offering me a forbearance they sent me and my wife a modification. Why we would take a modification when the rest of the nation under the cares act was provided a forbearance ; shows the type of bad intent and business they continue to do and provide. I was XXXX XXXX XXXX XXXX and thought we were getting a forbearance. We did not and have found that the company after sending us a letter stating that during these times, they would not report negative history and went against everything that they stated in the correspondence. A correspondence that printed on their letter head is legally binding. Also, we have now found that our balance use to be XXXX is now XXXX on their website. This is a clear violation of our rights. This company has been terrible. This issue even goes all the way back to XXXX when they were Ocwen and cancelled over XXXX of debt through a 1099C. In XXXX they cancelled the debt for the amount of just over XXXX on another 1099C form. We borrowed XXXX and they ended up cancelling over XXXX and getting credit for it from the IRS. ( info included ) We checked with the IRS during that time and found that they indeed did get credit for the debt cancellation. How are they allowed to get credit then go after the consumer? I own my own company and can't write off any amount and still go after someone who owes me for the original amount! All we want is to have the amount and credit reporting corrected. If not, we will be forced to join the many class action lawsuits against them. This company should not be allowed to practice business at all. The little man consumer is being crushed by companies like these as they are allowed to rip us off through bad/illegal business practices!

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