vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Having problems with WellsFargo with trying to get a forbearance or VASP refinance for a lower interest rate, this problem dates back to XX/XX/XXXX and has not been resolved yet. Had a forbearance in the past, but tried to apply for a VASP refinance in XX/XX/XXXX and I was not aware that my home could not be for sale while applying for a VASP refinance and at the time I was under contract for XXXX to sale my home. Also WellsFargo has been harassing me by placing Letters on my home door while my realtor was viewing my home on XX/XX/XXXX and also calling my realtor at XXXX without my consent asking questions about if I'm still occupying my home, also I feel its none of WellsFaro business what I do with my realtor, if they want to know anything they could have call me not my realtor at XXXX, I have been occupying my home ever since XX/XX/XXXX and I know WellsFargo knows this, because I've been getting mail from WellsFargo at my home address since XX/XX/XXXX to present.

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 2024-12-05 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this 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 2024-12-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX MERCURY. Dear Sir/Madam, I am writing to formally demand that you Cease And Desist all communication with me regarding the alleged debt reference under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-05 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself insert name last four Social Security number is XXXX XXXX XXXX XXXXXX/XX/year>. Please delete the following accounts. 


XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2024-12-05 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: DE

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
- Name XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX - Old - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX XXXX : XXXX XXXX XXXX XXXX {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ).

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates.

4. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

5. _15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within 30 days.

6. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions.

7. _15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.

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 2024-12-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last four Social Security number is XXXX XXXX XXXX XXXX Please delete the following accounts. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the tansunion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-05 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: NJ

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX, XXXX, and experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-05 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: NJ

Complaint narrative:
I am filing a formal complaint regarding the inaccurate information being reported by TransUnion on my credit report. Despite my previous efforts to address this issue, the incorrect data remains, causing unnecessary harm to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information reported. Inaccurate information must be deleted once it is disputed and deemed unverifiable. I have provided all necessary documentation, yet the errors persist.

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 2024-12-05 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Revenue Corporation
State: TX

Complaint narrative:
United revenue has posted a collection for {$980.00}, they continue to call and try and collect the debt, after I have stated several times, that this is not my account and I have never had an account with United Revenue. I have disputed this with XXXX with no change. This collection is saying that the original creditor is Texas XXXX XXXX, this is a XXXX violation is this is a medical debt. I have submitted disputes on XX/XX/2024 and XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: WI

Complaint narrative:
On XX/XX/year> I opened a checking account with First Tech Federal Credit Union. One of the things that enticed me into opening the account was a {$300.00} signup bonus. I took 2 screenshots of the terms on their website at the time. I followed the terms which included depositing {$1000.00} in payroll. After a few months I reached out as to why the bonus hadn't been paid. They started a case ( XXXX ) to look into the matter, but on XXXX a customer support person called and said they have denied the bonus. The reason isn't really a reason. They say my wages from XXXX and XXXX ( I am a professional driver ) do not count as payroll payments, despite the payments being made via well known payroll companies. No where in their terms did they say this type of freelance work would not count toward the DD requirement. I have banked at plenty of other banks where these payments did clear a bonus, so how could I have known XXXX XXXX alone in the industry would deny those wages as being considered wages. I feel I was bait and switched. They tricked me into signing up for their product with no intention of honoring the terms.

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 2024-12-05 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: IA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Upon missing three payments, due to severe personal hardship ( loss of husband and son ), the mortgage company, freedom mortgage, began the foreclosure process. In the time since, over $ XXXX in fees that are for non existent services and an additional $ XXXX in interest and principal additions bringing the payment due to over $ XXXX in less than a year with initial payments only being {$1400.00}. Mathematically impossible. Upon requesting amort schedule and formal docs, they wouldn't provide her any. She's been locked out of her online portal the entire time, with no way to access her information. The note contains at least 7 regulatory violations at first glance, and more in the underwriting.

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