vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was able to make my payments ahead. I no longer can do this. Ability to pay ahead in case of emergency is why I used LoanDepot for my mortgage I was assured that I could pay ahead and did so until XXXX 2023 Then they said I could not pay ahead anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: LA

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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-21 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Mr Cooper bought my loan from XXXX XXXX, then informed me that my Escrow will be going up $ XXXX month. Mr Cooper requires 2 months surplus in the Escrow. If there is a shortage because of tax increase then so be it, I will make it up. 
I did not receive a chance to review and agree to the new terms required by Mr Cooper. If they require a surplus, then I should have the ability to pick the terms. 
Currently I am presented with a new company that is increasing my mortgage because they want more money in their account to hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LexisNexis Risk Solutions Consumer Center Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
I requested bankruptcy be removed from all three credit reports and from suppressed by XXXX XXXX as the courts don't verify as per the email I submitted to them. This information is not verifiable. 

Request has been submitted in XXXX once, XXXX twice and I just requested in XX/XX/XXXX and sent this past XXXX via certified mail. I have not heard back from them since the last communication. I included the letter provided to me by the courts stating they do not verify 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 non-monetary relief
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
I requested bankruptcy be removed from all three credit reports and from suppressed by XXXX XXXX as the courts don't verify as per the email I submitted to them. This information is not verifiable. 

Request has been submitted in XXXX once, XXXX twice and I just requested in XX/XX/XXXX and sent this past one via certified mail. I have not heard back from them since the last communication. I included the letter provided to me by the courts stating they do not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I have a security freeze, but can not find my PIN. I also have an updated address. I need the address updated and the PIN sent to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several companies that have pull hard inquiries on my consumer profile without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
In XXXX I took out a Parent Plus loan for my son. Over the years the loan was consolidated with XXXX and paid off prior to the pandemic. After the pandemic pause, I started receiving calls and mail from Mohela stating I owe them for a parent plus loan. All of my student loans were consolidated with XXXX and I have documentation from XXXX that all loans were paid. My thought is that when the pandemic pause ended Mohela used some bad records. I have asked them to send me historical information on this loan. The only thing they have provided was statements after the pandemic pause and nothing before. I think this is because again XXXX was my only servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is reporting inaccurate information on my credit report and they don't correct or delete this account I will be seeking {$1000.00} for each violation. 

Account name : XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my approval.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq . 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS. 

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 
15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account. 

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.

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 2024-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I believe to be the result of identity theft. 

Given these circumstances, it is evident that my personal information has been compromised, and this account is a result of fraudulent activity. Therefore, I request that this account be immediately removed from my credit report to prevent any further damage to my credit history and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Reference Consumer Financial Protection Bureau case number XXXX. 

I am disputing the charges made to my Wells Fargo credit card account. I did not recognize the charges and asked Wells Fargo to investigate. Wells Fargo claims charges were made by the AUTHORIZED USER. AUTHORIZED USER DENIES making the charges or signing up for add-on credit card services. 

I requested that Wells Fargo produce the full documentation showing that the charges were approved by the Authorized User. Wells Fargo WILL NOT provide proof that the charges were made by the Authorized User. Under Law, Wells Fargo can only hold me liable for {$50.00} UNLESS they prove I authorized the charges.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-21 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have several accounts with Synchrony Bank. Currently my issue is with Care Credit. I have had the same issue with my Lowes account as well as my PayPal Master Card. 

My initial credit limit for Care Credit was {$3500.00}. I have had the account for XXXX months. I have never missed a payment. I have auto pay set up to almost double the minimum amount due to pay the balance down quickly. Was finally making progress on the balance and they reduce the credit limit to {$2700.00}. Affecting my credit score. The same was done with Lowes and PayPal previously. I have been actively and vigorously working hard to pay off all debt this passed year to raise my credit score. In the past XXXX months I have had a reduction of XXXX in my over all debt. Yet feels like I am still being punished by reducing the credit limit, directly affecting my credit score. I called them to file a complaint directly through Synchrony and they said I had to dispute it with the credit bureau. The credit bureau is not who reduced the credit limit. They refused to help so I closed the account. Which will also reduce my credit score, but refuse to continue to do business with a company that does not reward people for paying their bills. I will be closing the other accounts I have with them as well.

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