vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANS UNION- Please provide a full credit report with the updated records. 
THIS IS THE 2ND REQUEST The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), ( c ) ( 3 ) Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ).

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I was looking over my credit report and I noticed these Accounts listed below are NOT assuring maximum possible accuracy according to the FCRA. Please DELETE accounts listed below for violation of the fair credit reporting act. 

Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is NOT showing maximum possible accuracy according to 15 U.S. Code 1681e ( b ), the open date, date last active is NOT accurate. - Delete Account Immeadiately for violation of 15 U.S. Code 1681e ( b )

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 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Subject : Substantial Delay/Failure to pay Homeowners Insurance Premium on time from Escrow, leading to policy lapse and refusal to reinstate.

Details : This complaint is regarding CrossCountry Mortgage Company 's ( CrossCountry ) substantial delay in paying my homeowners insurance premium from my escrow account, which resulted in my policy lapsing and my insurance company refusing to reinstate. As a result, I was forced to purchase replacement insurance at an annual cost more than double my existing policy. Below is a timeline of the events : XXXX XXXX XXXX XXXX XXXX  my homeowners insurance company sent the premium bill to CrossCountry Mortgage. As verified by CrossCountry Customer Service Agent " XXXX XXXX, '' the bill contained the correct CrossCountry address, loan number, etc. 
2. The bill indicated a payment due date of XX/XX/year>. 
3. Despite receiving the bill nearly eight weeks in advance, CrossCountry waited until XX/XX/year> ( just prior to holidays ) to mail the payment. 
4. The insurance company did not receive the payment until XX/XX/year>, six days after the payment due date. 

This substantial delay caused my insurance policy to lapse, leaving our property uninsured and forcing us to obtain new coverage at 2.5 times the cost of our expired policy.

I contacted CrossCountry to address this issue, but they refused to provide an explanation for the delay. In fact, multiple customer service representatives misrepresented the facts/dates of notice and payment. For example, Representative " XXXX '' asserted that the insurance bill was dated " XXXX XXXX XXXX XXXX, and that CrossCountry mailed the payment on XX/XX/XXXX " within 24 hours of receiving the bill, which is CrossCountry 's policy ''. " XXXX '' refused to provide a copy of the referenced bill or the mailed payment. In speaking with five different customer service representatives over nearly two hours ( and offering copies of the XXXX renewal notice ), none would escalate to a manager, provide any written documentation or personal identification ( e.g., last name or employee number ), or send a written confirmation of the payment delay/steps to correct. 

Impact of the Delay : CrossCountry 's substantial delay caused my insurance policy to lapse, leaving my property uninsured and forcing me to obtain substantially more expensive insurance during an " insurance crisis '' of insurance companies leaving California.

In addition to substantial financial stress caused by CrossCountry 's negligence, I've suffered significant stress and time spent dealing with CrossCountry 's non-responsive and deceptive staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello, On XX/XX/year> I deposited a large check in person at a Wells Fargo branch in XXXX. I spoke to the manager and a teller and they reviewed the check before depositing it into my account. 

The total of the check was {$62000.00}. This was late on Thursday afternoon. 

By Friday morning they said the check was altered. The check was rejected and my account was closed. 

I contacted the issuer who said the check is legitimate. Wells Fargo did not even wait 24 hours for the check to clear. For a check that size, it usually takes a few business days. 

Wells Fargo also said this check looked suspicious and that's all the reason they need to take such action. 

Wells Fargo returned a copy of the check to me but not the original check. I would appreciate any advice. They didn't even discuss this matter with me before closing my account. 

Is there any action I can take at this point to prove that the check was legitimate? 

Thank you. 

Best Regards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), ( c ) ( 3 ) Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ).

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I was looking over my credit report and I noticed these Accounts listed below are NOT assuring maximum possible accuracy according to the FCRA. Please DELETE accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is NOT showing maximum possible accuracy according to 15 U.S. Code 1681e ( b ), the open date, date last active is NOT accurate. - Delete Account Immeadiately for violation of 15 U.S. Code 1681e ( b )

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 2024-12-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt in question. This is my legal right to ensure that you can prove I am legally obligated to pay this debt. Please provide the following documentation. The full amount of all alleged debt, including any interest, fees, and charges. The name of the original creditor and the original account number. Proof that you have the legal right to collect this debt, including a copy of any signed agreement or contract. A detailed payment history, showing how the debt was incurred, any payments made, and how the balance was calculated. Any other relevant documentation that supports your claim. If you fail to provide the requested documentation within 4 days of receipt of this letter, I will consider the debt invalid, and demand that all references to it be deleted from my credit report. Futhermore, if you continue to report this debt without proper validation or failure to address this dispute, I will take immediate legal action. This includes : Filing a complaint with the Federal Trade Commission ( FTC ). Pursing a lawsuit for any potential violations of the FDCPA and any other relevant consumer protection violations of the FDCPA and any other relevant consumer protection laws. I expect your prompt response and adherence to the law. If you can not validate this debt as required, I demand that you immediately cease collection efforts and remove any and all references to this account from my credit reports. Failure to comply with demands will result in immediate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I was approved for student loan relief under the Borrower Defense category in XX/XX/year>. I am part of the XXXX XXXX XXXX XXXX I went to XXXX XXXX XXXX which is a fraudulent school as part of the XXXX XXXX. To this day Mohela has not responded to my questions and these loans are still showing on my credit report. They were supposed to be forgiven over two years ago. Mohela is not complying with the letter from Dept of Ed nor the court order stating these loans were supposed to be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : Validation of the debt that is the actual accounting. 
Verification of their claim against you : that is, a signed Invoice. 
A copy of the contract binding between you and me in a letter by certified mail. 
Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
Equal consideration because you as the creditor brought nothing of value to the table. 
Lawful Terms and Conditions. 
Wet ink signatures between you and me. 
15 USC 1692a- 5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions to make sure theyre removed, and to prevent further unauthorized activity.

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 2024-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2024 Open Company response is in progress as of XX/XX/2024. Experian have falied to adress this issues and this problems still make negative impact in my 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 2024-12-23 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: MA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my credit score and may be a result of potential identity theft or fraud. I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise. In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions to make sure theyre removed, and to prevent further unauthorized activity.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Called TransUnion to ask them to remove the hard inquiries off my credit report on XX/XX/2024 because I don't know the company that they did the hard inquiries for

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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation