vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
The NJ State of HAF Assistance funds approved me for mortgage assistance. I am in a active XXXX and need court approval to accept the funds, when the state approved me they originally approved me for XXXX XXXX, which would have paid me through XX/XX/XXXX. But they XXXX court hearing would did not take place until XX/XX/XXXX so they awarded me additional funds to include my XX/XX/XXXX payment meaning I would not make my payments until XX/XX/XXXX. I have included both award letters. M & T bank my mortgage servicer received the funds and misapplied my XX/XX/XXXX payment to my escrow balance which resulted in them sending me an escrow overage check iao {$420.00}. I called M & T bank on many occassions and the XXXX Team confirmed my payments were misapplied but the HAF assistance team there at M & T bank claims the funds were not misapplied and refuse to reverse the funds. I have spoken to several managers and they have told me that they will cancel the escrow refund check and reverse the funds, however every time I contact them they claim HAF Team refuses to reverse the funds they misapplied, they asked me to send both award letters which I have been told to file the complaint with you to have you assist me. The state of NJ and the title company both told me the funds iao XXXX XXXX included my XX/XX/XXXX payment. I would like to make my XX/XX/XXXX payment but I need them to reverse my XXXX funds they applied to escrow and reapply it to my XX/XX/XXXX mortgage payment. Again I would not have a escrow overage if they had not applied my XX/XX/XXXX to my escrow balance in error.

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 2024-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX 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 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 of 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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2023 a letter was sent to TransUnion, XXXX and XXXX to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/2023 which they have not removed anything the incorrect information is still currently on my credit 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 2024-02-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was not aware of the existence of this account until XX/XX/XXXX while apartment hunting, and I checked my credit report 6 weeks prior and it was not there. I was shocked because I have never used this company. I am working to investigate this account on my end. 
I have reached out to this company several times to request a thorough investigation and it has been incredibly difficult to talk to someone who can handle this situation. They have not made any true effort to investigate, they have not provided any writing ( and I see that this loan was from XXXX ), and they will not responded to any correspondence I send. 

In addition to previous information I have given, I am adding that I also never received any form of a 1099 regarding this account or received any form of communication regarding the status of this account over the course of two years. The first time I have had contact with this company was in XX/XX/XXXX to question them about this account. 

I do not recognize how this account is reporting on my credit report. I do not recognize the account number, status, balance, nor the payment history reported. It does not meet the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I had apply for forgiveness program inn XXXX  I had to get garnished payment taken out from pay check to pay check for a few years until I was out of a deferment then it all seem ok to get out of the debt and forgiveness was granted. They told me it might take a while to show up on my credit report as I look at it it tells me I owe and Im block from moving forward on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal permanently limited my account and I have funds in it that I sold from crypto. It then became my PayPal balance. Here is what I wrote to summarize : I am respectfully requesting that the hold on my funds/account be lifted immediately. I do not want this account to remain open nor do I want PayPal services any longer. I have previously requested a review/appeal of my case which was denied for some reason which I do not understand. Regardless, I feel that holding my funds for 180 days for some non-fraudulent violation of PayPal Acceptable Use Policy is excessive and an abuse of power, I will be filing complaints with the appropriate agencies on XX/XX/year>, if I am not satisfied with your response to this request to release my funds. 

Please be aware that replying with the standard procedure is part of the terms of service that you agreed to/ will not satisfy my request, or deter me from filing my complaints with the appropriate agencies. I am simply seeking a resolution that is fair and in the best interest of both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OR

Complaint narrative:
XX/XX/2024 {$3800.00} I asked to verify debt. 

Wont they validate debt? 

Why asking me pay a debt after its been paid, Asked is this debt even mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX  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 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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 XXXX  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 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 2024-02-08 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: CA

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

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 2024-02-08 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: 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.

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 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 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XXXX XXXX XXXX passed on a collection to Transworld Systems ( collection agency ) saying I owe {$940.00}. I contacted XXXX XXXX XXXX and they verified me by SSN ( Scary ) and said I had opened an account with them on XX/XX/year>, and was closed XX/XX/year>XXXX  due to nonpayment. I did not write down the address the lady told me where the service was used, but it was a XXXX TX address. I have lived in Washington State over XXXX years, then Oregon before for many more. I swear I have had this pop up on my XXXX XXXX report before and disputed it, and won. Now this time around the investigation says its legit. The only companies I have ever had my name in for electric services was XXXX ( XXXX XXXX XXXX ) in Oregon, and now XXXX  ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX I filed my XXXX Federal Income Tax with Turbo Tax online. I was offered to file for a Refund Advance through Credit Karma, I applied and was approved for {$1500.00} the advancement was sent to an Account that Credit Karma created called a Credit Karma Spend Account. I received the XXXX XXXX on XX/XX/XXXX into my Credit Karma Spend Account. On or about XX/XX/XXXX the Credit Karma Spend Account was closed without my knowledge. I contacted Credit Karma and was told it was system error and that it was being sent to a supervisor and that my Credit Karma Spend Account would be re-opened not to be concerned that my remaining tax refund minus the Refund Advance would be deposited into my account. Weeks passed and still my Credit Karma Spend Account was not re-opened so I contacted Credit Karma and was then told that they sent an email back in XXXX asking for me to verify my information or that my Credit Karma Spend Account would be closed, I went back through my emails and the ONLY email I received from Credit Karma was in XX/XX/XXXX that was sent to my spam folder so I was never notified but the email stated that my Credit Karma Spend Account was closed at this time. When I filed my XXXX Federal Taxes with Turbo Tax on XX/XX/XXXX in order to qualify for the Refund Advance I had to verify my information to link my Turbo Tax Account to my Credit Karma Account so at this time all information was verified and the {$1500.00} Refund Advance was deposited into the Credit Karma Spend Account on XX/XX/XXXX. In order for it to be deposited my Credit Karma Spend Account was open at this time and I was able to use my prepaid debit card that expires in XX/XX/XXXX. Now I have a closed account that I can not use, and I now have my remaining Federal Refund being deposited on XX/XX/XXXX into an account that is now closed, I can not get any assistance to rectify this situation. XXXX XXXX is blaming Credit Karma and Credit Karma just doesn't care. I paid to file my taxes and to get the Loan processed.

Company response to consumer: Closed with explanation