vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and provide proper validation of a debt as requested. Despite my numerous attempts, the credit company has neglected to provide me with the necessary documentation to validate the debt, impeding my ability to address inaccuracies on my credit report. 

Below are the details pertinent to my complaint : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Date of Request for Validation : XX/XX/2023 I have repeatedly requested the credit company to provide me with the following information, as mandated by the FCRA : 1. Verification of the debt including the original creditor 's name, the account number, and the amount owed. 
2. Proof of any signed agreements or contracts related to the debt. 
3. Documentation showing that the credit company has conducted a thorough investigation into my dispute. 
4. Any other relevant documentation supporting the validity of the debt. 

Despite my diligent efforts, the credit company has failed to respond to my requests within the guidelines stipulated by the FCRA. Their noncompliance with these laws has severely affected my ability to address and resolve any inaccuracies on my credit report. 

I kindly request your assistance in resolving this matter and ensuring that the credit company adheres to the FCRA regulations. I believe it is crucial for consumers to have access to accurate and transparent information about their debts, and I am deeply concerned about the credit company 's disregard for these regulations. 


I kindly request that you take appropriate action against the credit company to rectify this situation and enforce the necessary penalties for their failure to comply with the FCRA. Additionally, I ask that you provide me with updates on the progress of your investigation and any steps taken to address this matter. 

Thank you for your attention to this complaint and for your commitment to protecting consumer rights. I trust in the Consumer Financial Protection Bureau 's ability to address this issue and bring about a satisfactory resolution. 

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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: OR

Complaint narrative:
In XXXX of XXXX I refinanced my house with Nations Lending ( who my previous mortgage was with ) to take advantage of equity in the house and pay off some debt. The loan officer XXXX XXXX worked up an initial loan estimate using a valuation of {$370000.00} which I indicated to him was too high. XXXX assured me that even if it came in lower they could still make it all work. The appraisal came in {$350000.00} which is where I told XXXX it would likely be. Then he came back and said they would not be able to pay off as much debt and the interest rate and payment would be slightly higher. When I pushed back and tried to ask about including more debt he said his hands were tied due to the loan to value. But in an email ( attached if I can ) on XX/XX/XXXX XXXX said " That being said what we can do is in 6 months, we can do a rate and term refinance. At that time, we will waive costs and just lower the rate for you. In 6 months, your credit will be much better from paying off the debts. This will allow for much better pricing, and we also anticipate rates to be lower then. This will all result in the payment dropping about {$300.00} a month at that time. For now, we can take advantage of the equity we do have before it lessons. Then in 6 months improve the rate. Unfortunately, this is the best we can do with the appraised value and style of home we have. '' In XX/XX/XXXX after making the 6 months of payments I emailed XXXX on XX/XX/XXXX to ask about the rate and term refinance he mentioned in his XXXX email. Later in the day on XX/XX/XXXX I emailed XXXX again as I was getting credit alerts that my credit was being pulled by a mortgage lender. At NO TIME did I authorize or know there would be a credit pull. XXXX did call me later and sent me a loan estimate with a valuation of {$380000.00} to do a conventional refinance with fees and appraisal costs. When I pushed back on what he said about a rate and term refinance he stopped responding. Several days later he sent me a text saying the best they could do would be an FHA refinance again with fees and an appraisal that would maybe save me {$170.00} a month. At no time during our exchanges after XXXX did XXXX acknowledge or address the email that he sent in XXXX. I filed a XXXX XXXX XXXX complaint and had XXXX XXXX reach out to me to discuss and she had a senior lender contact me by the name of XXXX XXXX. XXXX told me that I was part of a 5 year rate lock guarantee but there was nothing they could offer that would be better than what I currently have. XXXX again would not acknowledge or address the promises made in the email from XXXX from XXXX of 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 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America representative XXXX XXXX of XXXX XXXX XXXX department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$260.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was scammed {$11000.00} from XXXX to XXXX from a scammer identified as a woman named XXXX XXXX. It was a pig butchering scam. The scammer convinced me to invest in a platform called XXXX. After thinking I was making profits, I realized it was a scam. 
I was denied a refund from Wells Fargo. I recently filed a few claims and they won't refund me the transactions of the scam. There were three. One was for {$100.00}, one for {$1000.00} and one for {$8000.00}. That's {$9100.00}. 
Another transaction was through XXXX XXXX XXXX XXXX for {$2000.00}. I filed a claim dispute with them, showed proof that I was scammed and they decided to reimburse me my money. 
I'm confused on why XXXX XXXX XXXX XXXX refunded me the money but Wells Fargo didn't. If I don't get my money back from Wells Fargo, I will transfer my funds to XXXX XXXX XXXX XXXX. I've been a loyal customer at Wells Fargo since 2010, and believe I deserve a refund. Please help me get my {$9100.00} back. If not I'll take my funds to XXXX XXXX XXXX XXXX and not do any business with Wells Fargo anymore.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q Data International Inc has a {$6800.00} bill on my credit report. I do not have a contract with them. I sent a debt validation letter via certified mail in XXXX and they sent back some kind of bill with only codes and amounts. No signed contract validating the debt. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  financial-delete line paid in full, never late-as show delete line from the report Consumer Disputes This Account Information Charged Off Account Account Transferred Or Sold Fixed Rate

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX financial-delete line paid in full, never late-as show delete line from the report Consumer Disputes This Account Information Charged Off Account Account Transferred Or Sold Fixed Rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of my county as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED.

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Account is showing as unpaid and has been paid in full.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX2023 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on 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 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 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on 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 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 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XXXX and XX/XX/2022 it started sharing my private data TransUnion credit bureau and XXXX credit bureau Are in direct violation of the fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly state 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 an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late payment for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Report Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I got a notification from XXXX XXXX that i got a derogatory mark. When i check ny derogatory mark it said i had something in collections and it said i owed {$1200.00}. It showed that that i owed sequium asset solutions that money and the original creditor was XXXX XXXX XXXX  XXXX. I have never in my life had XXXX XXXX XXXX  so i called them and they said there is no account in my name. So someone in sequium asset solutions got my information and posted that on my credit and now it showing that i owe them {$1200.00} and its effecting my credit. I want this handled and taking care of because someone or this company is scamming and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief