vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
Consumer reporting agencies were notified multiple times about inaccurate information and fraudulent accounts on reports and failed to follow procedures. As a result of this i was unable to attain housing or get approved for an apartment. As a XXXX American person living in a metropolitan city its very hard to find affordable & accessible housing suitable for all my needs.

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 2024-06-13 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: IL

Complaint narrative:
Consumer reporting agencies were notified multiple times about inaccurate information and fraudulent accounts on reports and failed to follow procedures. As a result of this i was unable to attain housing or get approved for an apartment. As a XXXX American person living in a metropolitan city its very hard to find affordable & accessible housing suitable for all my needs.

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 2024-06-13 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: TX

Complaint narrative:
XXXX XXXX and Transunion are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Captial one bank 
Balance of XXXX  Date opened XXXX XXXX XXXX

XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX XXXX XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX  
XXXX XXXX 
Balance of XXXX
Date opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
It seems that FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you verify the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
On XXXX XXXX XXXX I received a letter informing me that Mr. Cooper required proof of flood insurance on a condo I own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I uploaded proof of insurance. On XXXX XXXX, I recieved an email from mycoverageinfo.com stating that the information was received.

On XXXX XXXX I received an email mycoverageinfo.com stating that the information was processed.

Then on XXXX XXXX I received an email saying Mr. Cooper procured flood insurance on my behalf and WITHOUT MY CONSENT! The charge also overdrew my escrow. This is now a serious mismanagement of funds.

I immediately opened a ticket on Mr Coopers messaging system and uploaded the proof of flood insurance again. 

On XXXX XXXX XXXX I called to complain and was told that the insurance information had been recieved and that Mr Cooper would confirm the insurance and reverse the Escrow charge of {$1500.00} immediately.

Again, this did not occur. On XXXX XXXX XXXX weeks after I had submitted proof of insurance. Mr Cooper still did not correct the situation and performed an escrow analysis that increased my monthly payment to cover the amount they wrongfully and knowingly mischarged on my account. 

I feel that Mr Cooper is violating my consumer rights and I would like the Consumer Financial Protection Bureau to investigate these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Owner of property address XXXX XXXX XXXX XXXX, XXXX  XXXX has retrieved medical records from a court-appointed attorney surrounding a XXXX involuntary detainment that shows evidence in those records that there are attempts to rewrite history regarding the finances and medical history of XXXX XXXX XXXX ( XXXX XXXX ) with recent history of a denial of a professional license by the ( XXXX XXXX XXXX  ) XXXX 

XXXX XXXX XXXX ( XXXX XXXX ) is never one to disclose her finances for the sake of proving someone wrong. However, in this case and due to recent events, XXXX XXXX XXXX ( XXXX XXXX ) will disclose that Wells Fargo Bank , N.A . or any other creditor was in no danger of not being paid by XXXX XXXX XXXX ( XXXX XXXX ) in XXXX when she applied for a mortgage with Wells Fargo Bank than they were in XXXX when she was forcefully removed from property by XXXX XXXX XXXX XXXX, XXXX and continuously harassed to the present. Not only did XXXX XXXX XXXX ( then XXXX ) have {$8000.00} in her bank account, she had an unused line-of-credit from XXXX XXXXXXXX XXXX for {$15000.00} that could be increased to {$50000.00}, and a {$5000.00} loan that was set on automatic drafts. In XXXX, XXXX XXXX XXXX ( XXXX XXXX ) had Virginia Worker 's Compensation benefits that were supposed to be paid weekly in the amount of {$1200.00}, she could receive unemployment benefits as well as the ability to work until the XXXX  XXXX XXXX XXXX revoked her license, and still she could have and still can as of this current time use social security benefits. XXXX XXXX XXXX ( XXXX XXXX ) caused no financial hardship to Wells Fargo or no other creditor during the life of her loan. 

Removing XXXX XXXX from the loan in XXXX, did not cause Wells Fargo Bank any hardship as XXXX XXXX XXXX was one payment ahead on the mortgage when she filed for bankruptcy in XXXX and continued to make payments until Wells Fargo refused to accept them in efforts to help the Commonwealth of Virginia and others. Wells Fargo Bank , N.A . caused XXXX XXXX XXXX ( XXXX XXXX ) hardship. Finally, when this loan was applied for, Wells Fargo Bank clearly told XXXX XXXX XXXX that she could finance the mortgage with no other borrowers necessary ; ( sole ) borrower.

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 2024-06-13 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 am writing to report that I have fallen victim to identity theft, a situation that has deeply affected my life. My personal information has been maliciously used without my consent, leading to severe consequences. As a XXXX XXXX man, I feel that the impact of this identity theft is exacerbated by systemic XXXX  within credit bureaus and creditors. Despite the protections afforded by the Equal Credit Opportunity Act, I believe my situation has not been handled with the fairness and urgency it deserves. This identity theft is. preventing me from securing a decent higher paying job, which is essential to meet the demands of the current economy. This situation is forcing me to consider nding another home. or face homelessness due to the inflation impacting the economy. Please immediately remove and delete all fraudulent accounts from my credit report. 
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

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 2024-06-13 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-13 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
I am writing to report that I have fallen victim to identity theft, a situation that has deeply affected my life. My personal information has been maliciously used without my consent, leading to severe consequences. As a XXXXyear-old XXXX man, I feel that the impact of this identity theft is exacerbated by systemic XXXX  within credit bureaus and creditors. Despite the protections afforded by the Equal Credit Opportunity Act, I believe my situation has not been handled with the fairness and urgency it deserves. This identity theft is. preventing me from securing a decent higher paying job, which is essential to meet the demands of the current economy. This situation is forcing me to consider nding another home. or face homelessness due to the inflation impacting the economy. Please immediately remove and delete all fraudulent accounts from my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-13 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: GA

Complaint narrative:
Experian continues to report a late payment on the account XXXX XXXX XXXX  Account # XXXX there is a late payment listed that only Experian is reporting. How were they able to verify this information when the other 2 consumer agencies have no such 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-13 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: GA

Complaint narrative:
Experian continues to report a late payment on the account XXXX XXXX XXXX  Account # XXXX there is a late payment listed that only Experian is reporting. How were they able to verify this information when the other 2 consumer agencies have no such 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 2024-06-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-13 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: IL

Complaint narrative:
Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
According to my understanding, FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have inaccurate reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-13 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: MD

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 : XXXXXXXX XXXXO Account Number : XXXX and list of Inquiries. 

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 2024-06-13 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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