vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: MD

Complaint narrative:
I have files three disputes with Equifax on two different accounts at the same financial institution, BOTH WITH supporting documentation from the institution certifying the accounts were paid off in full and closed. 

On the first occasion, the dispute result date of XX/XX/2022, states that the account has been updated, however, there was not change to my report. I figured it would update when I requested ( and paid {$34.00} ) for a new report..no change. I submitted another dispute for now both accounts ( that were paid in full on XX/XX/2022 and XX/XX/XXXX respectively ), to be updated and their dispute results received on XX/XX/XXXX stated that it was updated, again with no change to my report. 

I submitted the disputes AGAIN, with the same documentation that day. XXXX ( XX/XX/2022 ) dispute results read The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Once again, if they have the acknowledgment acknowledgment from the institution stating that both accounts are paid in full, and they certified that documentation with the institution, how can they say it is still accurate to report a balance and they account as open???? 

Ive exhausted efforts with that credit bureau, and opened a dispute with XXXX XXXX for the same account reporting errors, and it is in pendingstatus. Additionally, Ive opened up a complaint/dispute with the financial institution so that they can get with Equifax/reporting agencies directly. Positive information shouldnt be this hard to get updated, when the negative impacts are reporting at lightning speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a purchase on XX/XX/2022 totaling {$940.00}. The purchase was for 4 pairs of shoes for my family. I opened a dispute on XX/XX/2022 with PayPal as I had not received my purchased goods and the company I ordered from went insolvent. Under PayPal 's buyer protection policy, they state that I, the buyer, am entitled to a full refund should the order never arrive. I went without any updates from paypal until they finally responded 3 months later on XX/XX/2022 saying that my case was closed and I had lost due to the fact that they didn't cover " items intended for resale ''. They abruptly denied my claim with absolutely zero evidence as I am a normal consumer trying to purchase shoes for my family. Paypal is defrauding consumers claiming they will cover buyers if there are issues with their purchases, but clearly they do not stand by their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: GA

Complaint narrative:
I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.

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 2022-08-25 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:
I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the XXXXredit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have sent several letters not only to all 3 credit bureaus but to the creditor directly as well. TD Bank/Target Credit  {$570.00}. A dispute was mailed out to all XXXX, XXXX and XXXX on XX/XX/22, XX/XX/22 and on XX/XX/22. A dispute letter was also sent to the creditor as well. Upon sending notice and receiving a frivolous investigation from all 3 bureaus and it's creditors information reporting, you will clearly see the the FCRA violations. You will see on the supporting documents that both creditor and the 3 reporting bureaus information do not correspond accurately with each other. The TD Bank USA/Target Credit XXXX XXXX XXXX is completely fraud and I have no knowledge of this account. Per FCRA ss 602 [ 15 U.S.C. ss 1681 ], ss 603, ss 605, ss 607, ss 609 and ss 611 which are all violations of Tittle 15 USC ss 1691 and it's sub sections. I demand that you correspond with the Attorney General of California and Secretary of State about these fraudulent matters as I will also correspond with them myself. I demand that you correspond with all e Credit Bureaus demanding the removal and relief of this fraudulent account from my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/22 I went to the branch to deposit a cashier check into my business account. I did not want to deposit a personal check due to the holds Bank of America usually places on personal checks, so I thought it was best to get a cashier check for the amount of {$12000.00}. 

Knowing I needed the funds to cover business payments, I asked the cashier ( who happened to be the manager on duty ), if a hold was going to be placed on a cashier check. He explained the only way he could know that was by going through the process of depositing the check. I told him then that, if a hold was to be placed, that I needed my check back to deposit at another bank or to just cash it and deposit cash. He agreed and processed the deposit. He told me then that, in fact, a hold was to be placed but only until the next business day. He told me that {$5300.00} were going to be available the following Monday ( I was making the deposit on a Friday morning ), and the balance on XX/XX/22. I was ok with that timeline and proceeded with the deposit. About and hour later I get an email from the bank stating that the check -a CASHIER CHECK- was at risk of being returned, and they were placing a hold through XX/XX/22!!! I am running a business and, no matter if we are the smallest business on earth, any amount that contributes to our cash flow is of extreme importance. They are holding a cashier check for 11 days!!!! And we not only find it abusive -the bank is using that money for free for 11 days straight-, they are pretty much obstructing the operation of a small business... I am beyond furious and can not wait to get the check released and close that account and everything BofA related, but I really hope my experience serves as a showcase for others to avoid this bank and, more importantly, for the regulatory entities to work for the people, especially, for small business owners trying to recover from a brutal past 2 years. I have called several times and they still refuse to release any portion of the funds. I defaulted on some payments and had to borrow money to cover expenses when I didn't have the need to... This is just outrageous!

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 2022-08-25 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX Date XXXX XXXX {$760.00}

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 2022-08-25 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: PA

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

As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXXXXXX 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 2022-08-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-08-25 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Called in late XXXX to request to start PMI Removal Process. 
Agent advised they had to send a letter via US Mail. 10 Day lead time Weeks go by and no letter. 
Several calls to customer service during this time. None offered any help and advised I had to wait for the letter. 
A Month has now gone by and I get to an escalation manager. She has no idea why the letter was sent. 
This is when the vail starts to come down. They claim they can only send " messages/ emails '' to the PMI team. They can not call. Every week from then to now I call or she calls me and asks did I get the letter? I advise no and they send another message. And on and on the train goes. 

On a side note this seems to be a trend. Many many reviews out there with people having the same or worse expertise with PMI removal. Apparently some pay {$150.00} for appraisal and then hear nothing... Someone of authority needs to look into this business. I have experience in this sector and no reputable company would ever work this way. Especially one of the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked Equifax to investigate some items on my credit report on XX/XX/XXXX. Trough usps tracking, my mail was received on XX/XX/XXXX. 
In the letter i was asking them to send me back the results of the investigation to my address. 
i attached to this letter a copy of my report, circled the items, my SSN, copy of my ID & a utility bill. 
Around XX/XX/XXXX, I received a letter asking for more documentations to identify myself ( even though they already had it in my first letter ) i sent back a second letter on XX/XX/XXXX with my paystub and my Social security card ( be mindful they already had my ID & an utility bill!! ) today XX/XX/XXXX they asked me again for the same documents!!! 

They clearly do not want to investigate and are engaging in delay tactics in flagrant violation with the FCRA!!! 

I will not send them back any more identifications since clearly they can not be trusted to manage informations. 
I not only want all those items to be removed from my account but i do think they need to be severely punished for their actions as they are known to do exactly that!!! 

Per the Fair Credit Reporting act those agencies have XXXX  days to investigate & send me the results of this investigation. If they don't, the items i asked them to verify must be removed. 

Also per the FCRA, i could be entitled to financial compensation. 
I started to ask about those items after verifying the informations myself and noticing discrepancies. Those might have or will cost me potentially thousands of dollars in interests over the time i pay back loans or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$5200.00}

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 2022-08-25 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: TX

Complaint narrative:
Please be advised I called Experian about my credit report around XX/XX/2022 regarding opening my credit report because I keep it locked. On XX/XX/2022 I was provided a time slot of XXXX to XXXX for opening my credit report, thereafter Experian would close the report. On XX/XX/2022 I found my credit report unlocked. I called Experian about this situation and at the same time after reviewing my credit report, I realized there were some other inaccuracies. I brought it to the attention of Experians customer service representative. The agent dismissed all of my concerns. As a result, I filed two complaints on line about the inaccuracies on my credit report with Experian. A week later I received an email about my Experian report. I open the report only to find that my credit score had plummeted XXXX points. I called asking why did Experian representatives lower my score, they denied any wrongdoing. Yet my credit card now seemed to have reached it maximum credit availability when in fact the week prior my credit report had the correct credit availability for my credit card which was more than twice the amount owed for available credit. A week later I went on Experian again only to realize that my credit score went down an additional XXXX points. 

Since I called Experian the first time to make corrections, instead of the agents being helpful, they took advantage of their position, they created havoc by falsely inputting information 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 explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
XX/XX/2022 {$10000.00} Paym ent {$1200.00} Interest rate is like 400 % So I could be paying back {$40000.00} t0 XXXX for borrowing XXXX The company name is titlemax in XXXX South Carolina

Company response to consumer: Closed with explanation