vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : XXXXXXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, TransUnion, and XXXX have been met with deafening silence. In a world where financial integrity is paramount, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: GA

Complaint narrative:
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

XXXX- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

NCB - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX  XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH just sent me back a cashier 's check that they told me was applied as the last payment of my modification in XXXX. 

PHH approved a modification in XX/XX/2023. I paid, XXXX, XXXX and XXXX and submitted all documentation. For the XXXX payment they would only take a cashier 's check sent overnight. I complied. I called them on XX/XX/XXXX to see if they had received my check. They said they had and it had been applied to my modification plan. I spoke to PHH again on XX/XX/XXXX and XXXX. Both times they told me the XXXX payment had been received and applied to my modification agreement. 

This was a lie. On XX/XX/XXXX I receive a legal copy of my cashier 's check back in the mail to me. It has not been applied. Now I am trying to get the cashier 's check back in my account so I can try to make another payment to PHH. 

PHH wrote me today to tell me that the Family Transfer part of the modification is approved but the XXXX payment was not received. This is fraud. They had my cashier 's check for 2 weeks and lied to me saying it had been applied. They then turn around and send it back to me so they can earn more fees/etc and fraudulently deny the modification plan. How many lawsuits and fines and government intervention does it take to get this company to follow the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
Accordance in with the Fair Credit Reporting Act below are accounts that have been 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information.

Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days

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 2023-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CA

Complaint narrative:
on XX/XX/2023 I notice an amount of {$180.00} coming out of my XXXX  XXXX XXXX checking account when I looked into this it said that explorer credit was charging my account deducting {$180.00} for the past three months since XX/XX/2023 they claimed that I applied for a payday loan totaling {$500.00}. I told my bank that I attempted to contact his company and to report this as a fraudulent transaction. They proceeded to charge me knowing that this was fraudulent so I had my bank shut down my account refund the {$500.00} that they claim they deposited and dispute my charges. However, this company has been reporting this on my credit as a default payment I have no need to receive a {$500.00} payday loan. I havent been working for two years. My husband has his own business and I am financially stable. There was no need for a loan of this type for such small amount of money I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulently operating company they claim that theyre US-based XXXX but their call centers are in XXXX. I am unable to get a hold of anyone in the United States. I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulent Lee operating company they claim that there are US-based, but their call centers are in XXXX. I am unable to get a hold of anyone in the United States, there are over 900 reviews of this company. They have a one out of five star rating, and hundreds of people are claiming them to be fraudulently operated. Please contact me if you need any more information to proceed with this complaint. My number is XXXX. My name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
XXXX Credit Card - XXXX - or XXXX XXXX XXXX XXXX  - on XXXX incorrectly and unfairly reduced my credit limit from {$10000.00} to {$0.00} without any change in my account balance, without offering reason or intimation. 

" On XX/XX/2023, the limit on your XXXX XXXX credit card decreased by {$10000.00} from {$10000.00} to {$0.00}. '' This adversely impacted my credit score. Their support is not reachable over phone and only send out template responses to support inquiries over email. 

Despite actively trying to resolve this issue over several weeks they are neither reinstating my credit limit nor explaining themselves - I am requesting the following information : XXXX. Why was the credit limit erroneously reduced from {$10000.00} to {$0.00}? 
XXXX. What change in my account balance prompted this change from {$10000.00} to {$0.00}? 
XXXX. Was there any communication before erroneously reducing this to {$0.00} and reporting this incorrect information? 
XXXX. What measures have you taken to reinstate it to {$10000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a cease and desist on the account yet the lender has called every day since XX/XX/XXXX. I have told them several times that I know when the payment is due. This is harrassment. 
Secondarily, I have asked the lender to send me an escrow analysis and breakdown of the arrears. I also asked for an adjustment of fees owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-08-28 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: PA

Complaint narrative:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: SECURITY CREDIT SYSTEMS INC
State: GA

Complaint narrative:
Before unfairly closing my complaint I was unable to add my supporting documents of identity theft. I have contacted Security Credit Services to let them know that I am victim of identity before allowing my to provide proof before 30 days was up in violation of FRCA act the complaint was closed today is XX/XX/2023 the supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and 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
Consumer complaint received 2023-08-28 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: PA

Complaint narrative:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation