vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: VA

Complaint narrative:
On XX/XX/2022 I XXXX A XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) Equifax, XXXX, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the Equifax and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
I just logged in to see my complaint status, a supposedly resolved. Not true, the company First Advantage XXXX XXXX finally responded, but only to the CFPB. I was never notified, nor did they reach out to me, probably because their " client '' Arise never provided a legitimate contact for me as part of the identity theft scheme. XXXX knows that their " client '' is engaged in unscrupulous and illegal activity yet chooses to retain them and take their fees for background services. CFPB responded to this site ( not me personally ) with : XXXX XXXX XXXX XXXX. First Advantage were instructed to perform the background check for XXXX. XXXX  being a client of First Advantage, certified they had obtained the consent / authorization of the individual in order to have the background check completed. First Advantage reasonably relied on this information and performed the services accordingly. First Advantage 's background process doesn't provide our consumers with any fully visible Personal Identifiable Information ( PII ) such as date of birth ( DOB ) and social security numbers ( SSN ) for identity protection purposes. If this is in fact a case of fraudulent actions, be assured First Advantage didn't deliver anything to the fraudulent actor who may have submitted the application. Our apologies if this has caused any inconvenience of your time and effort to resolve this matter. Any further concerns regarding how this incident may have occurred should be questioned with the potential employer or client ( XXXX  ) in which this was applied. 

( end response ) Not only has this caused an incident of identity theft and hardship, the background check company is knowingly engaged in illegal activity ( note forged " consent '' ) and does not get a formal response from XXXX who is a paying client. I expect to hear from this company and Arise to resolve this illegal and criminal activity in the next XXXX business days or legal action will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX Bank of American accounts totaling over {$30000.00} have been opened in my name. Bank of America keeps checking my credit account with the three major credit agencies, resulting in a decrease in my credit score from XXXX just a few months ago to XXXX points currently. I have tried to correct this with Bank of America but to no avail. My address is and has been for the past XXXX years been in XXXX. Whoever has opened this accounts in my name lives in XXXXXXXX XXXX. a place I have never been.

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 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Numerous attempts to modify the mortgage and every attempt is met with resistance. 
Uploaded and faxed requested information multiple times only to be told it was not received. I received a phone call in the end of XX/XX/XXXX that modification was approved and would receive documents in the mail. Documents never sent and when I spoke with Flagstar afterward they completely denied the call and kicked me out of the modification. 
XXXX of XXXX The CFPB took action against Flagstar and forced them to pay XXXX XXXX for the exact same reason listed above. I have plenty of proof if you need along with documents at your request. 

Looking for assistance to finalize modification. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MARINER FINANCE has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MS

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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2012, Ocwen, as loan servicer for XXXX Bank, committed fraud on the court and on XXXX XXXX and XXXX XXXX, when they filed a fraudulent foreclosure action against the XXXX. 

Ocwen knew, or should have known, that they had, in response to a CFPB Complaint filed by XXXX XXXX, that XXXX Bank, through a letter sent in response to XXXX XXXX CFPB Complaint, had admitted that neither XXXX Bank nor Ocwen had ever owned the XXXX XXXX Mortgage and Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX these items above should be removed from my report 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 non-monetary relief
Consumer complaint received 2023-01-06 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-01-06 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
I have contacted XXXX, XXXX, and Equifax 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
I have contacted XXXX, Experian, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Have attempted to resolve this issue multiple times with the company directly and offered to provide copies of an identity theft report regarding the situation. Constantly my concerns are brushed off or deemed inadequate. I have also addressed these concerns with all three credit bureaus XXXX, XXXX, XXXX and all parties have exhibited willful and grossly negligent behavior which has adversely affected me. This behavior is a direct violation under the rights given to me by the FCRA. Automated responses and bully like behavior is the most simplistic description of the behavior of all parties mentioned. I have made 3 attempts if not more to resolve it and this will be my final attempt before exploring other options including but not limited to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AL

Complaint narrative:
Yes I dispute a account with Experian on the XXXX of XXXX because this account is fraud and its not mines. So I got result today saying this account is mines from the creditors I dont think Experian investigate the account properly they just going by what the creditors say. So today I look on my credit report there is a address that not mines that is showing XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ca. i never stay anywhere in California I stay in XXXX Al all my life so I went to my Experian credit report try to see how the address got on my credit report and I found out this fraudulent address is Connected to the Two XXXX accounts that showing on my credit report that I recently dispute so I call experian I spoke to somebody and fraud and the lady that I talk to her name is XXXX and I explain to her about the fraudulent address and the account thats on my credit report and she stated to me that I need to send them a copy of a FTC report and a copy of my id and mention in the FTC report about the address and those two XXXX XXXX XXXX account so today I created my documentation I also to that Experian agent that I will send a copy of my FTC report and a Copy if my lease and utility bill to prove that account is not mines including the address please remove this account from my credit report because I fill like thats a law suit yall did not investigate them two accounts that I dispute as fraud correctly because for one I just dispute it 4 days ago and them results came back quick saying this account is mines I just got my result today XX/XX/2023 aint no way they came back that quick. Than yall listed a California address thats not mines please removed these account or I will have to get my lawyer involved

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX These are the two numbers they are calling from to scam credit cards. They instructed you can get 0 % APR. They ask for card expiration date, last four numbers of card and last four numbers of social security number. Also if you have any additional cards. 

When they couldn't get anything after I hung up, they called from another number. 

Thank you for allowing me to report. This was in reference to Discover. I will notify them. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
For the past month I have been receiving 3 to 5 phone calls everyday I asked them to call me less that I understand that I have a debt and will pay when I receive a bill in the mail I have yet to receive a bill but still am getting 3 to 5 calls a day and they leave a voice-mail everything they call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
i have tried contacting Transunion, XXXX XXXX XXXX  various times within the past year challenging the XXXX XXXX accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my 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 explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 3 FTC reports with collections and inquiries I did not authorize, please delete

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