vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom XXXX XXXX XXXXncern, I am writing to address a discrepancy between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the late payment records reported by XXXX, Equifax, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MI

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit XXXXXXXX. I attached a letter along with ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: FL

Complaint narrative:
This is a follow up of Complaint XXXX. 

Transunion had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. XXXX also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. Transunion XXXX and XXXX made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: MI

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy. Experian has violated my right to privacy and consent.

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 states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Experian has violated my rights and I ask that the late payment they're reporting on my XXXX XXXX XXXX account be changed to Paid As Agreed XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: MI

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc 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 2023-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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
Consumer complaint received 2023-04-23 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: UT

Complaint narrative:
I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX XXXX with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use Experian and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX XXXX based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACIMA -- I CALLED THIS COMPANY SEVERAL TIMES, TO EXPLAINED THAT I WAS GIVING THE WRONG INFORMATION. I GOT THE FURNITURE IN XXXX, I CALLED THIS COMPANY ONCE I RECIEVED THE FURNITURE THAT I WANT TO DO THE 90 DAYS SAME AS CASH, THE REP SEEM AS IF I WAS BOTHERING HIM. HE TOLD ME YOU CAN DO THAT ANYTIME, I EXPLAINED I BOUGHT FURNITURE FROM YOU SEVERAL TIMES, AND THIS NEVER HAPPENED, THE REP ALWAYS SET IT UP FOR ME. TIME WENT BY I FELL BEHIND AND WAS GOING THRU HARD TIMES, I ASKED ACIMA, CAN THEY GIVE ME A LOWER AMOUNT OR PUT ME ON A HARDSHIP THE SUPERVISOR, START TALKING TO ME CRAZY, AND I TOLD HER I WAS GIVING THE WRONG INFORMATION AND I HAVE BEEN WITH YALL FOR A LONG TIME AND NEVER HAD THIS PROBLEM. WHEN YOU DO NOT PAY 90 DAY SAME AS CASH YOUR AMOUNT DOUBLE WHICH IS UNETHICAL, THEY SPEAK TO YOU RULED THREATING ME ABOUT PICKING UP MY FURNITURE WHICH I ALREADY DOUBLE PAID FOR IT. THEY CALLED ME SEVERAL TIMES A DAY, I FEEL ABUSED BECAUSE WHEN YOU CALL NO ONE WANTS TO HELP YOU. THE SUPERVISOR, INSTEAD OF TRYING TO HELP YOU, SHE SPEAK TO YOU NASTY. PLEASE HELP ME. ACIMA, TAKE ADVANTAGE OF THEIR CUSTOMERS. I HAVE PAID OFF ALL MY FURNITURES BEFORE WITH NO ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I As a XXXX veteran an my mom a elderly widow spouse we have continuously being trying to get a loan modification completed with the Original servicer which is Owcen which resulted in lots of back and forth with their relationship managers after that it was referred to PHH Mortgage and entity under Ocwen a same situation always a late response and always outside of their timeline then it is in XXXX also an entity of Ocwen. All fully completed motivation packets have been submitted to all these servicers since a decade ago and they have the same games that they are doing over and over defaulting that no programs will work in the best interest. They continued to switch relationship managers so that it works best in their favor I would request that they get provide all the modifications submittals since they were HAMP and other programs available and mostly qualified for that they swept under the mat to cover up to not comply with the programs set into place to help homeowners that were struggling just so that they can benefit in the long run They were also reverse mortgages where the elderly can be assisted since there is equity in the home but none was offered. Again here we see the consumers being taken advantage of and in the end you put a XXXX veteran and a widow in the streets with no care in the world. I will also like this XXXXXXXX XXXX and XXXX XXXX notified as to the wrong doing and see what is there response. The loan has moved so much between these three companies no one has the original documents, would like to see all loan modification documents submitted to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I have a {$75.00} prepaid card in XXXX from Myprepaidcenter. I was able to use the card once for a purchase at XXXX XXXX XXXX. Every subsequent transaction is decline at all vendors - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted Myprepaidcenter over the phone and they promised to issue a corrected card on XX/XX/16. I do not have a card and my new card doesn't work. I asked for a check for the balance of a little under {$70.00}. I haven't received either or any follow up communication. 

They do not have a consistent phone number available to contact an agent to resolve this type of complaint and endlessly direct me to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Its with portfolio collections. I dont know all the amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
We have been trying to update my wives new phone number and get her pass word changed on her account with chime. We have been sending them copies of her new version phone bill, drivers license, ssan, and picture of her holding documents with currents date for three weeks. They still have made changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The collection company threated me on leagel action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Company Transword system incXXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXX dollars starting XXXX XXXX.The Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX XXXX  any Money XXXX I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: EQUIFAX, INC.
State: NE

Complaint narrative:
In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees. 

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our Equifax reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does Equifax see fit to keep this illegal record on our credit reports? 

Additionally, XXXX XXXX XXXX claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to XXXX XXXX XXXX and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by XXXX XXXX XXXX. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with Equifax, XXXX, and XXXX. It only remains on our Equifax account, as it was " verified '' by XXXX XXXX XXXX. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and XXXX XXXX XXXX for proof of debt.

Company response to consumer: Closed with explanation