vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX VALIDATION AND CEASE AND DESIST LETTER WAS MAILED XXXX RESPONDED WITH A LETTERHEAD SHOWING INTEREST CHARGE CALCULATION AND A LETTER DATED XX/XX/XXXX MAILED TO AN ADDRESS IN XXXX. I THEN MAILED A SECOND LETTER XX/XX/XXXX STATING THE VALIDATION WAS INSUFFICIENT AND TO PROVIDE THE REQUIRED ORIGINAL CONTRACT OR LOAN AGREEMENT. THEY HAVE NOT RESPONDED BUT UPDATED THE BALANCE TO THE CREDIT BUREAU XX/XX/XXXX AND ALSO COMMENTED Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : XXXX  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, GS Bank USA : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX. These accounts have resulted in multiple collections on my consumer XXXX credit report. I have attached a list of the specific accounts along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts or collections listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
Williams and Fudge calls between 2-10 times per day. They tell me they are taking legal action against me. The tone of the calls feels very threatening. Also this is a debt I am not aware of and do not have any knowledge of incurring. I have blocked them several times and they keep changing their number and calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
XX/XX/year> Loan was for XXXX - when I got it the lady said it would be XXXX to pay it back, now they say I owe XXXX also on loan overview they show principal as XXXX ( not XXXX ) w/payments of XXXX per month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am writing regarding the above-referenced account, which you acquired from XXXX XXXX XXXX XXXX XXXX I demand the immediate deletion of this account from all consumer reporting agencies. Additionally, I am seeking a settlement amount of {$3000.00} for the harm caused by inaccurate and potentially unlawful reporting practices associated with this account. 

Please be advised that XXXX XXXX XXXX XXXX XXXX  arbitration agreement applies to this matter, given that you acquired the debt from them. As a result, I am prepared to initiate arbitration proceedings to resolve this issue if we can not come to a satisfactory settlement. I believe a fair and swift resolution is in the best interest of both parties. 

This communication is an attempt to settle this matter amicably and efficiently. I request your prompt attention to this demand. If you agree to delete the account from all consumer reporting agencies and provide the requested settlement of {$3000.00}, I am willing to consider this matter fully resolved. 

Please respond in writing within 30 days to confirm your agreement to these terms. If I do not receive a satisfactory response within this timeframe, I will proceed with all available legal and arbitration options to enforce my rights under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
So I signed up for the fortiva credit card a couple years ago and I have used it frequently and have paid it off several times, about 4 months ago I tried to cancel the card because I was noticing that they kept adding more and more fees so I called in to cancel the account and they told me that they did cancel it. 

However I'm still receiving monthly emails saying that more fees are getting tacked onto this balance that's not even real. I have kept that card paid off for several months leading up to me canceling it, I ended up canceling it because they were making me pay monthly fees even though I wasn't using the credit card which I never agreed to in the first place they just started attacking them on a year later after I had the card. 

Now fortiva is reporting to my credit score every month that I am late on this payment that truly doesn't exist, this " payment '' they are referring to is them adding on fees and fees and fees. 

I have spent countless hours with them on the phone trying to get this resolved but they will not resolve it without me paying off imaginary fees that they created out of thin air. They are robbing me and ruining my credit in the process. 

Please please please can you help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXX XXXX ACCT XXXX- Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXXXXXX XXXX  ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX - Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXXXXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX not reported.

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 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
The agency is div Adj services is third-party I'm filling under ( 15 US code 16601and under 15 US code 1692c and 1099old c and a I am requesting a immediate deletion of all reporting made to any consumer reporting agencies XXXX, XXXX XXXX and XXXX. You must cease collections effect until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. I am requesting this because have had different companies reach out to me about this same alleged debt collection sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX dob XX/XX/year> ssn XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent two letters requesting that my credit report be mailed to me and I have not received on report yet. They keep sending stall letters out requesting the same information that I keep providing.

In addition to these letters being mailed to the three credit bureaus, I have asked that my personal information be updated as my name, address, phone number, and employment information.

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 2024-10-23 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I entered into a contract on a property and subsequently applied for a loan with Wells Fargo online on XX/XX/XXXX. I was assigned a loan officer named XXXX, who is based on the XXXX XXXX, and we first connected on XX/XX/XXXX. During our initial conversation, I completed the application and sought guidance on locking in an interest rate. XXXX advice was vague, stating it was XX/XX/XXXX, so I decided to consult other professionals before making a decision. 

I confirmed my intention to proceed with the loan on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I left a message for XXXX expressing my desire to discuss locking the rate. Unfortunately, XXXX did not return my call until the following Monday, XX/XX/XXXX, by which time the interest rates had increased from 5.1 % to 5.5 %. XXXX informed me that Wells Fargo does not keep records of past rates, preventing him from confirming the rate on XX/XX/XXXX. I requested that the situation be escalated due to the lack of response, but after a week and a half, Wells Fargo refused to backdate the rate lock, forcing me to lock in at 5.625 %. 

Throughout this process, I had to consult with XXXX other loan officers who provided valuable advice that XXXX had not offered. I also discovered that the increase in the interest rate had raised my Debt-to-Income ( DTI ) ratio, putting my loan approval at risk. XXXX did not inform me of this risk and instead added {$8000.00} in buy-down points to lower the rate and keep the DTI in line, despite my initial refusal to buy down the rate. 

As of XX/XX/XXXX, one day before the original closing date, I still do not have underwriting approval. The underwriting process only began on XX/XX/XXXX, despite my application being submitted on XX/XX/XXXX. There has been no communication regarding a new closing date, causing significant planning issues for the seller and listing agent. After being assigned a new loan officer, I learned that several errors had been made throughout the process, leading to significant delays. 

Despite numerous attempts to escalate my concerns and speak with managers, I have received no responses to my calls or emails. I feel taken advantage of and misled, as the lack of timely communication and poor advice have forced me into a higher payment on a loan that was already at my maximum budget. I am now at risk of losing the house due to these delays. Additionally, there has been no communication between my lender and real estate agent, adding to the emotional and financial stress of this process. I believe my loan has not been processed efficiently or correctly, resulting in higher rates and fees, and it seems that no one at Wells Fargo is willing to help.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
During the time I was applying for a refinance I asked my current mortgage company Freedom mortgage if they could accommodate bi-weekly payments and they stated NO. At which time I started the process with XXXXXXXX XXXXXXXX  who could. I had been with Freedom mortgage just under two years and and had no late payments I would have preferred to stay with them if they could accommodate my request. I completed my transaction with XXXX XXXX and unfortunately the transaction did not happen as quickly as they liked and according to the agent who I spoke with stated it was auto generated and could do nothing about it. I think this was a crude tactic to hurt me and my credit report for switching companies. Again I have had not one single late payment before or after this switch.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a XXXX where they have a atm machine for navy fcu I made a deposit after that that was the last time I had my card in my possession navy fcu denied fraud claim several times and I did not have my card or use my account for the charges they have on the account there is disparate treatment in this matter for unauthorized charges close to XXXX and this is beyond a financial hardship they are not m charges and now there is a domino affect of fees and nsf fees because the funds were stolen from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
I received this text from Shepherd Outsourcing. This is not my debt, I've never had XXXX as a phone carrier. Listed below is the exact text I got, which was received on XX/XX/year>. At XXXXXXXX XXXX Make your payment before your SPRINT ( XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account is returned to our client. Check out your options at XXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation