vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I applied for a Hilton Honors American Express Card. Upon submitting the application, it said they needed more time to review. I called XXXX to resolve the matter and check the status of the application. The automated operator said that my application could not be approved at this time. They said one contributing factor was my credit score. This was an adverse reaction that is now affecting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
Hello, I received my Transunion consumer report and noticed that they have an incorrect spelling of my name. I contacted Transunion to dispute/remove this, and they informed me that they couldn't do it. I understand that it is the responsibility of the credit reporting agencies to ensure that the information is accurate, as listed in 15 U.S Code1681. The spelling of my name has never been anything other than XXXX XXXX XXXX. Please remove the incorrect spelling of XXXX XXXX from my TransUnion consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
The attached account on my report has been removed from my XXXX consumer report. Per the 15 USC 1681, all three consumer reports must be reported accurately and uniformly. Please see the attached screenshot of my report for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, my former apartment complex ( XXXX XXXX XXXX ) placed me in collections stating that I owe them money. They sold the debt to a debt collector ( Ideal Collection ) and placed the negative account on my credit. 

I contacted both XXXX XXXX XXXX and Ideal Collection in XX/XX/2022. The manager at XXXX never responded to my email and Ideal Collection 'verified the debt '', without actually verifying it's accuracy. 

On XX/XX/2022 - I emailed the manager of the apartment complex again, outlining the errors in the final statement receipt that I had, showing that for 13 months, they collected my rent but left out the collection payment of {$75.00} a month for the water bill, every month they failed to document the water bill in their ledger. 

I believe that XXXX XXXX XXXX or the individual responsible for accounting, purposely left out the monthly {$75.00} in an attempt to steal it. In return, they claimed that I owed them the funds, but my rental payments on the ledger shows that they received my entire rent amount of {$2000.00} that included the {$75.00} for water. 

XXXX XXXX XXXX has now sold this debt to a Ideal collection and ILLEGALLY placed the debt on my consumer report, which has caused my credit score to drop significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I previously submitted complaint, XXXX XXXX, which was answered by PHH Mortgage , the party to whom my complaint was filed. That resulted in PHH Mortgage, denying any record of the property in their system, via PHH Ombudsman. 
PHH Mortgage continues to pursue my property, by an additional response from PHH containing illegal documentation. Specifically, a signed Certificate of HUD Counseling, that is signed with a forged signature of my deceased mother, XXXX XXXX XXXX. This document is being presented for the first time by PHH Mortgage. It is a false document. Counseling was not performed to my mother in XXXX or any other time. I have attached the forged document, as well as documentation with her actual signature. I also have reported this forgery to the NM XXXX XXXX XXXX. The ongoing attempt to take possession of my property through unlawful, fraudulent means by PHH Mortgage ( RMS ) has been misrepresented in XXXX XXXX NM XXXX XXXX, through concealment and invalid recording of a deed instrument, representing that XXXX XXXX XXXX is the owner of a loan through an unlawful foreclosure, unlawful foreclosure sale XX/XX/XXXX and improperly notarized Special Master 's Deed, XX/XX/XXXX. XXXX XXXX XXXX has disclaimed any interest in the property XX/XX/XXXX as does PHH Ombudsman XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-04 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: MT

Complaint narrative:
I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXX XXXX The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX of XXXX  I retrieved the loan history from the loan department of XXXX XXXX XXXX  This history shows the loan paid in full and on time. The loan history shows payments from XX/XX/XXXX to XXXX XXXX. I will also include the account from XXXX which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from XXXX. The other credit reporting agencies such as experian, XXXX, and XXXX have the same account from XXXX XXXXXXXX XXXX. I have been told not to file any more disputes.

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 2023-05-04 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: LEXISNEXIS
State: MT

Complaint narrative:
I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXXXXXX XXXX The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX of XXXX I retrieved the loan history from the loan department of XXXX XXXXXXXX XXXX. This history shows the loan paid in full and on time. The loan history shows payments from XXXX XXXX to XXXX XXXX. I will also include the account from XXXX which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from XXXX. The other credit reporting agencies such as XXXX, XXXX, and Lexisnexis have the same account from XXXX XXXX XXXX. I have been told not to file any more disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: Experian Information Solutions Inc.
State: FL

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. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. Transunion and XXXX have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is the XXXXredit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Transunion and XXXX are reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from March 2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Transunion, XXXX and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Transunion, Equifax and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged for several transactions that I did not authorize. I had possession of the card, but I did not recognize the transactions that were charged on my account. My bank claims that after investigating the transactions, they concluded that there was " inconsistencies '' with the dispute and that because the merchant was a third party, it means that my debit card information was used in the transaction. Since the debit card was in my possession, they think that the idea that someone could have just taken the information that my card and committed these transactions is a hypothetical. 

They advised me to contact the merchant and ask for evidence showing it was not me who made it, but when I asked them what kind of evidence they would accept, they refused to tell me. Additionally, since I have filed these once for fraud and the bank has already rejected the claims, there is no way for them to reopen the case and give it another look. 

Therefore, I did not authorize these transactions. How my card was used, I do not know. What I do know is that my account was not used and this was another person 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX05B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$3100.00}, BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.

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 2023-05-04 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: NJ

Complaint narrative:
As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. XXXX and Experian have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for mortgage XX/XX/XXXX and was pre approved, I begin the process submitting all requested documents I was led to believe everything was good and I would be closing soon. I was told near closing the first time my loan officer quit and I would have resubmit all documents and I did. I started with a new loan officer who stated I needed XXXX down payment on a XXXX in which I agreed to though I knew it didnt sound right for an fha loan. I paid for inspection and appraisal and was told I was approved under conditions. I met the conditions and then I was told I needed XXXX to close. My parents wired the money and it was there in my account the next day. I was then told I had high dti and I should find lower insurance which I did.I also was advised to pay off any debt I could do I payed off my credit card and sent in all supported documents. I waited for a couple of days with no communication. I received a call from my realtor to terminate contract because I was denied due to high dti. I was confused because no one had told me anything. This was a three month process which I am hurt because I fought for that house and no one had the decency to handle my application properly. I lost the home I loved. There are so many things that were not handled properly and should be addressed to keep regions from doing this to anyone else. I feel completely discriminated against.

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