vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NC

Complaint narrative:
I have submitted XXXX  disputes and XXXX  report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian, XXXX, XXXXcredit reports conducted changes to increase my credit scores. also made on credit. In credit reports it shows change time nor when company will conduct another .report. It should. BE CHANGE. On credit reporting. While I'm makin on. time .payment a date i recorded suppose to change by increasing scores What l have noticed my credit scores ranged remain same. Doesn't change. The range? while maken on time payments.. I have noticed. company is getting away with reporting in correctly for over 1 yrs. .credit scores decrease for over 1 year. XXXX XXXX XXXX  XXXX XXXX. is Paid on on time why it shows error made on the final last payment. .this XXXX  account. XXXX XXXX XXXX payed auto off. Listed as bein. ) Totaled. ) I decided to keep the XXXX XXXX  access. Requests they Seattlement We paid the account off. I'm still not bein graded correctly Showin passed 30 day payment. Reported incorrect. XXXX XXXX XXXX My records purchaser documents shows no late payments listed anywere. This account being reported 2 years inaccurate L have been disputed. For 1 year. Account doesn't show any problems until. Final last date of payment?

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 2024-08-01 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: Avant Holding Company, Inc.
State: RI

Complaint narrative:
Avant- Web bank have an account of me that I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been going over my credit report and I saw some collections that were on there. It says that I owe you a lot of money but, I don't know what it's for. Maybe someone used my personal 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 2024-08-01 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: FL

Complaint narrative:
I been going over my credit report and I saw some collections that were on there. It says that I owe you a lot of money but, I don't know what it's for. Maybe someone used my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The government came out with The Mortgage Forgiveness Debt Relief Act of XXXX. In XX/XX/XXXX I found myself out of work. I had a mortgage and two lines of equity on that house, all through Wells Fargo. I looked into the Relief Act and was told I would have to go through my bank, ( Wells Fargo ) and they would help me through the process. I contacted them, filled out and sent in all the requested paperwork while following up with phone calls to them. Each time I called, I wrote down the name of the person I was speaking with, the time and date, what we talked about, what they needed from me, and their callback number. I was also told to continue making my payments to them which I did for the entire two years while I tried to work with them. They came up with every excuse possible, from they lost the paperwork ( which I overnighted to them ), to my file was waiting for someone else 's input before it could be processed, to it was input into their system late ( longer than 90 days ) so I would have to go through the process all over again. I continued doing everything they requested because I didn't want to lose my home. Our government bailed out the banks to help customers like me, but Wells Fargo went above and beyond to ignore our request for help. We even resorted to contacting our State Senator in the hopes of getting a response from Wells Fargo. I spent countless hours on hold, passed from one person to the next, and often the call was disconnected or simply not answered when transferred to a different department. 
I drained my savings accounts and had to contact a realtor who specialized in " short sales. '' The first thing he told me was to stop making my payments to Wells Fargo. He sold the house for me in XXXX at a very reduced price. This hurt my credit for the next 7 years and put my wife, kids, and myself in a very financially strained position for years. Having been a homeowner for 35 years and never having missed a mortgage payment, we had to move our family of XXXX into a two-bedroom apartment. While going through this process, the stress caused by Wells Fargos unresponsiveness to our case caused me to have a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MO

Complaint narrative:
I RECENTLY PURCHASED A COPY OF MY CONSUMER CREDIT REPORT AND LEARNED THAT I HAVE " 27 '' UNAUTHORIZED HARD INQUIRIES ON MY CREDIT FILE HURTING MY CREDIT HEALTH. I DID NOT AUTHORIZE ANYONE TO MIS-REPORT OR FRAUDULENT USE MY SOCIAL SECURITY NUMBER FOR ANY PURPOSE OR MATTER WITHOUT MY WRITTEN CONSENT PLEASE REMOVE THESE FALSE INQUIRIES OFF IMMEDIATELY!!! 15 USC 1681B XXXX XXXX VIA DEALER XX/XX/year> 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 ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX, XXXX ( Finance ) XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-08-01 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: Nelnet, Inc.
State: TN

Complaint narrative:
A second loan was taking place in name I never had notice of this I have requested information several times before and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MI

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
FCRA violations : inquires not mine JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}

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 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft and a victim of the XXXX Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed 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 2024-08-01 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: OH

Complaint narrative:
I've been a victim of identity theft and a victim of the XXXX XXXX XXXX. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed 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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Specifically : 1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) to verify the debt. This lack of validation renders the collection entry on my consumer report inaccurate and unverifiable. 2. **Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : I have not been given a chance to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As a consumer, I am entitled to dispute the validity of the debt before any collection activity is reported to consumer reporting agencies. 3. **False, Misleading, and Deceptive Practices** : These actions in placing this collection on my consumer report without proper validation and without providing me an opportunity to dispute the debt are in violation of my consumer rights. These actions are false, misleading, and deceptive, constituting a clear violation of the FDCPA. 4. **Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : They have no authority to furnish any account to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.

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 2024-08-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX upstart XXXX XXXX XXXX this is fraud. how dare you make an unsolicited offer of credit to me. I have placed stops with all credit bureaus. 

my trades are NOT settling. spot is fraud. you are bankrupt. 

pay me NOW! 

I have suffered over a XXXX dollars in losses so far. 

$ XXXX " hardship loan 'XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I find myself incredibly frustrated at the moment. As a result of identity theft, two of my email accounts have been compromised in XXXX XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I find myself incredibly frustrated at the moment. As a result of identity theft, two of my email accounts have been compromised in XXXX XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.

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 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attn : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Fay Servicing Account Number XXXX Dear Sir/Madam, I am writing to formally file a complaint against Fay Servicing concerning their ongoing unfair and deceptive practices related to my mortgage account number XXXX. 

Over the past year, I have encountered multiple issues with Fay Servicing that have not been resolved despite my numerous efforts. Specifically, my concerns include : Mortgage Modification Requests : I have been seeking a mortgage modification for over a year. Despite submitting all required documentation and following up multiple times, Fay Servicing has failed to process my request or provide a resolution. 

Escrow and Homeowners Balance Discrepancies : I have reported discrepancies in my escrow and homeowners balances to Fay Servicing. They have not addressed these discrepancies or provided a satisfactory explanation, causing significant confusion and financial stress. 

Lack of Proper Assistance : Throughout this period, Fay Servicing has exhibited a lack of responsiveness and has not provided the necessary support to address these issues. Their failure to adequately assist me has compounded my difficulties and financial strain. 

I believe that Fay Servicings conduct is in violation of fair servicing practices and consumer protection laws. I am seeking assistance from the Consumer Financial Protection Bureau to investigate these practices and take appropriate action to resolve these issues. 

Please let me know if any additional information or documentation is needed to support my complaint. I am available to provide further details or assist in any way required. You can reach me directly at XXXX or XXXX Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld and that Fay Servicing adheres to lawful and fair practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing. 

In addition to these removal, I am writing to formally request an update to my employment information. The details are as follows : I have been working at XXXX XXXX XXXX  since XX/XX/XXXX. 
The name of my company was originally XXXX XXXX XXXX. 
XXXX XXXX XXXX was incorporated on XX/XX/XXXX, as indicated in the attached corporate formation documents. 
The name of the company was changed to XXXX XXXX XXXX in XX/XX/XXXX. 
The tax XXXX  XXXX  for both entities remains the same.

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