vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  {$1100.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Good Afternoon, Our names are XXXX and XXXX XXXX, and we have a PHH Mortgage. We would like to file a complaint against this company. In XX/XX/year>, we applied for a modification because my husband was very sick with XXXX. Since the day I faxed all the required documents until now, every time I call the company to inquire about my case, they only tell me to send the same documents that we have already sent. It si essential for them to have knowledgeable staff to handle these matters. Every time we call, we receive different information. It seems like they are unwiling ot help and want ot retain the house. The monthly amount keeps increasing, and I am XXXX XXXX XXXX. 
We kindly request your intervention and respect for the situation of each individual. Thank you in advance for your help. 
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 2024-10-01 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
I have started disputes many times on the recent past with all 3 major bureau 's regarding false and incorrect and/or old information being reported as far as my personal details and have gotten zero results and absolutely no compliance with my requests.. Not to mention the hard inquires i have challenged and requested immediate removal due to me not being accepted and receiving any credit or not being approved which has also been a failure on their end.. Lastly, the many negative items I have asked for copies of my original agreement or contract with my provided wet signature or autograph of you will, and have gotten updated and verified messages only with no documents i asked for or proof of verification.. This is unprofessional and extremely frustrating due to the damage of my report and personal suffering due to not being able to get approval for anything all because they refuse or neglect to perform their required duties..

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with XXXX XXXX XXXX . The details of the accounts are as follows : - XXXX  Account Number : XXXX ( Reported by XXXX XXXX XXXX ) - TransUnion Account Number : XXXX ( Reported by XXXX  XXXX ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both XXXX and TransUnion continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by XXXX XXXX XXXX to both XXXX and TransUnion is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that XXXX XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with XXXX XXXX XXXX . The details of the accounts are as follows : - Experian Account Number : XXXX ( Reported by XXXX XXXX XXXX ) - XXXX Account Number : XXXX ( Reported by XXXX XXXX ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both Experian and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by XXXX XXXX XXXX to both Experian and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that XXXX XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.

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 2024-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX account # XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX XXXX  on XX/XX/XXXX account # XXXX. A student loan account Us dept of ed on XX/XX/XXXX account # XXXX, A student loan account Us dept of ed opened on XX/XX/XXXX account # XXXX. A installment account XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my latest credit report, I identified multiple accounts that I believe were inaccurately added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I received payment on Venmo this week for a service I provided. When attempting to withdraw the funds to my bank account it failed and I received an e-mail stating that my account was suspended due to violation of their user agreement ( no such violation occurred ). Suspended accounts have no access to their funds. The email indicated I need to prove my identity with identification and I have provided a scan of my passport to them. I have not heard a response, and I'm unable to reach a human contact as they have near fully transitioned their consumer help center to unhelpful AI chat. 

Upon further research online this appears to be a common practice with them. 

Venmo account : aaronxphillips e-mail associated : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: OH

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Bankruptcy 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 2024-10-01 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: PA

Complaint narrative:
XXXX cred {$2800.00} XXXX cred {$1000.00} XXXX credit {$930.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX cred {$2800.00} XXXX cred {$1000.00} XXXX credit {$930.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX stated debt was opened in XXXX in Delaware. Account was closed in XXXX for the amount of {$2000.00}. XXXX told me to file a police report and send in mail proving my address during the time of debt.

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 2024-10-01 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered multiple billing discrepancies. The late payments reflected do not align with my typical payment record.

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 2024-10-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have never requested or permitted any of these companies to pull these credit to my report. It's causing me stress how much this is negatively affecting my credit standing.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: CA

Complaint narrative:
I am filing this complaint to dispute inaccurate credit reporting related to my First ProgressXXXX XXXX account, Account Number XXXX. The account was last updated by XXXX on XX/XX/year> and by XXXX on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by First Progress to confirm the accuracy of the reporting. 
I have disputed this information with XXXX and XXXX, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both XXXX and XXXX, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : XXXX : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that First Progress and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After a detailed review of my credit report, I noticed a number of accounts that were added without my knowledge and are incorrect.

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