vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: IN

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 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 2024-04-01 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: IN

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 non-monetary relief
Consumer complaint received 2024-04-01 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:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the ac
curacy and completeness of your reported claim ( s ).

Your organization is in breach!

According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent. 
Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-01 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: PA

Complaint narrative:
These accounts are reporting inaccurately please remove them immediately. 

By the way these two accounts have the same account number this is against the fcra DeptedXXXX XXXXXXXX DeptedXXXX  Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I discovered after 15 years of being an account holder at Wells Fargo, they started charging me a $ XXXX fee on my Savings Account due to not having enough funds in the account every month. This is unfair as they can see I have plenty of funds in checking account to cover this but still charge the junk fee. They offered to refund me {$5.00} of the {$15.00} total but I am not happy as all {$15.00} should be refunded.

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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
fraudulant credit inquires

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
fraudulant credit inquires

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 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Ace Inc
State: CO

Complaint narrative:
I have paid this company {$3600.00} for this debt. The final payment was {$550.00} instead they rejected he payment saying i owed another {$1100.00} in interest saying I now owe over {$1800.00} after we came to a court organized agreement. They are fraudulent and now trying to collect more than owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo allowed unauthorized access to two of my credit cards with them, allowing unauthorized cash advances of {$16000.00} and {$3700.00} from cards to my checking account. Then Wells Fargo allowed unauthorized wire transfers out of my checking account. They have found these charges were unauthorized and notified in a timely manner to cancel transactions but they did not do this and have not refunded these amounts. Wells Fargo needs to remove these unauthorized charges from my 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 2024-04-01 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: NY

Complaint narrative:
I dont not recognize these credit inquiries and Ive asked to be removed and Bureau did not do what I asked.so i am providing a identity theft report that will be attached to this complaint and Im requesting it to be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
XXXX - I recertified my income and then learned that my recert deadline was extended and that Mohela would return me to my prior payment amount. XX/XX/XXXX - I received a billing statement for my XXXX payment, due XX/XX/XXXX. XX/XX/XXXX - I received a notification that Mohela placed my account into processing forbearance XXXX. I did not request or approve this. XX/XX/XXXX - I called Mohela and was informed that XXXX would not count toward PSLF unless the forbearance was removed and so I asked for them to remove it. I told was it would take up to 87 days to remove the forbearance. Despite all of this my loan status was repayment up until today. There is no XXXX payment due. I submitted a pslf form in XXXX and as of today XX/XX/XXXX is also still showing as ineligible. XXXX will be my XXXX month of employment that qualifies for pslf. I can not leave my job in XXXX as planned because of this issue, which is causing an incredible amount of financial strain. 

These shenanigans are making it impossible for me to leave public interest. Regardless of whatever is going on internally at Mohela, XXXX will be my XXXX payment, and I need to be able to leave my job and soon as possible after that. I have made financial decisions based on this timeline and this is jeopardizing everything I have worked for for 10 years. 

I need FSA and/or Mohela to confirm in writing that XX/XX/XXXX and XX/XX/XXXX will count towards my PSLF XXXX. I can not move on with my life without this. I can not afford, literally or figuratively, to wait and see what happens in XXXX when supposedly everything will be magically fixed and it is completely unacceptable to put people in this position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: MO

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 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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation. 

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind. 

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a credit card by Capitol One, that I did not apply for. They also checked my credit without my approval. I attempted to call Capitol One and they would not take action without me providing even more personal information to them. I want the account closed, my info removed, and the credit check removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out to Wells Fargo on on XXXX informing them that i would pay any financial obligation that i may lawfully owe on the conditions that they provide : 1. Validation of the debt being the actual accounting : they sent the Customer Account Activity statement, not the actual accounting. 
XXXX. Verification of the debt in the form of a Signed Invoice stating the amount owed and to who. : they refused saying that they don't have to provide me that information. 
3. A copy of the contract binding both parties ( me and them ) to this agreement. : they sent the Note and Deed of Trust neither of which constitute a lawful contract as they are only signed by one of the parties me. ( lawful Contracts consist of Full disclosure, Equal consideration, Lawful terms and conditions and most importantly Wet Ink Signatures of both parties. On XXXX I informed Wells Fargo that their response did not satisfy my request and their stance did not change. I offer a final opportunity to settle this matter on XXXX They continued to dishonor my request as a consumer and continued to be abusive and misleading in their practices

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 2024-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I purchased my home in XXXX of XXXX using an FHA loan through XXXX XXXX, which subsequently sold my mortgage to Freedom Mortgage. Unfortunately, since then, I've encountered persistent issues related to my property taxes. The first problem arose when I received a letter from the county stating that I owed {$3000.00} in taxes. Despite numerous calls to Freedom Mortgage, I faced long wait times and repetitive responses, with no resolution. Eventually, I took matters into my own hands, researched and contacted an executive who helped connect me to the head of the call center in Pennsylvania. After a month, I finally received the answers I needed. 

Fast forward to XX/XX/XXXX, and I find myself in a similar situation. Over the weekend, I received yet another letter from the county threatening a new lien on my property due to delinquent taxes. Despite paying my mortgage on time, I continue to receive these notices. Today, I was forced to pay a delinquent tax bill with late fees out of my own pocket. While I've considered refinancing my loan with another bank, the prospect of higher interest rates dissuades me. It seems I'll have to deal with this ongoing issue because Freedom Mortgage fails to pay my taxes promptly. I hope to find assistance here, as I've been unable to get help from Freedom Mortgage and want to prevent others from facing similar challenges.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I noticed a collection on my credit report for XXXX and called Credit Collections Services to see who they were collected for and they stated XXXX but when I called XXXX they informed me that they don't have any of my personal information in there system. The collection agent gave me 2 numbers I called both and both departments said they don't see my social security or name in there system that I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: OR

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation.

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind.

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in.

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report.

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely, 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 2024-04-01 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: TX

Complaint narrative:
I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report, which violates federal law under the Fair Credit Reporting Act ( FCRA ). Despite listing the accounts and highlighting the violations to my consumer report, I have not received a response from any of the bureaus within the mandated 30-day period. Copies of all dispute letters are attached for reference.

Company response to consumer: Closed with non-monetary relief