vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: AZ

Complaint narrative:
I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account was disputed for inaccuracies but was never deleted. Please remove this account immediately. 

Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2019 Status Paid, Closed. 
Status updated XX/XX/2019 Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$370.00} Terms NA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Complaint on 1st Lien On my 1st Lien, Ocwen continues the pattern of behavior of the debt collector seeking to collect and enforce a nonexistent debt for a nonexistent claimant. 

In this particular case, The current debt collector '' / servicer is PHH Mortgage. 
The past debt collector / servicer was Ocwen Loan Servicing LLC The nonexistent debt is the primary lien for the property located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX. 
The non-existent claimant appears to be a XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2006-SA2. 


1st Lien History Ocwen Loan Servicing LLC was servicing my first lien just like my 2nd lien but was transferred over to PHH Mortgage in XXXX. 
In XXXX when I inquired about the owner of the note from Ocwen Loan Servicing LLC, they reported that XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment C ). 
In XXXX when I inquired about the owner of the note from PHH Mortgage, they reported that Ocwen Master Servicing, as Trustee for XXXX XXXX XXXX XXXX XXXX  XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment D ). 
Looking at the difference, the trustee changed from XXXX XXXX XXXX XXXX to Ocwen Master Trust. With no legal claimant ( a person or entity that can show that they paid value for the debt- Virginia Code 8.9A-203 ), any proceeds or collections of mortgage payments go directly to Ocwen. 
Closing Thoughts on 1st Lien Just like the junior lien, there is an nonexistent debt from an nonexistent claimant/ owner. Again, Ocwen has taken advantage of this information and has placed themselves as the Trustee of the Trust. 

If I didnt have proof of what Ocwen did on my second mortgage, I would not file a complaint. But because, Ocwens wrongdoing on my second mortgage, the same can be said on my first mortgage. Ocwen / PHH Mortgage knows that there is no claimant / owner who has paid value for the debt- Virginia Code 8.9A-203. 

Please help me to get answers from Ocwen / PHH Mortgage and they need to be held accountable for their actions on the 1 Lien. In their defense, I am sure they will say they have the mortgage note but because of their past actions on my second mortgage, Ocwen / PHH Mortgage needs to show 1 ) Existence of the Lender and 2 ) Existence of the debt ( unpaid loan balance - Virginia Code 8.9A-203 ). Again if an audit was performed, I am sure all payments will show them going directly to Ocwen and not to a nonexistent claimant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 United AutoXXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation. 

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: GA

Complaint narrative:
XXXX has sent a debt You will need to contact the third-party agency, CBCS, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what XXXX has done I don't know who this company is that I have to reason with to resolve any dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation RXXXX ACC # 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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  ACC # 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 2022-05-31 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: AZ

Complaint narrative:
I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022XXXX XXXXI XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I collect my salary under the XXXXXXXX XXXX 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. 
This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made many many requests to Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) to supply the VALID and COMPLETED permissible permission used to access my credit report in XX/XX/2017. I can not tell these two professional companies that once I receive this document I can prove the loan was fraudulent. I can't say this because Experian takes off in another direction regarding fraud and XXXX sends me a letter requesting more of my personal information to investigate fraud when they never had the right to receive my personal information what they currently have. This is a simple request and I am not speaking another language. Perhaps I am speaking to a foreign country that can not understand a simple request but would rather push a button for a programmed response..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: HI

Complaint narrative:
XXXX XXXXXXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This g

round for removal they also violated my rights under 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 that 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 explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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 USC 1681. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX US SM Bus AdmIn ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, Experian inquired on XXXX XXXX Experian XXXX identity, Experian XXXX XXXX XXXX on various days, XXXX XXXX XXXXXXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding incorrect information on my credit reports to XXXX Equifax and XXXX and still have not received an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding incorrect information on my credit reports to XXXX XXXX and Experian and still have not received an update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding incorrect information on my credit reports to Transunion XXXX and XXXX and still have not received an update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: HI

Complaint narrative:
XXXX XXXXXXXX XXXX and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXXXXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: HI

Complaint narrative:
XXXX XXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Accounts # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation