vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
XXXX XXXX XXXX I am writing to express my profound concern regarding my ongoing experience with Freedom Mortgage. As a veteran with ten years of experience, including six years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have dedicated my life to XXXX XXXX XXXX. 

Regrettably, I have encountered serious issues with my VA loan account, including the deduction of {$28000.00} from my funds not applied to my accoutn. Additionally, I have experienced XXXX discrimination within your company, supported by three letters I received that contained XXXX slurs. This behavior does not reflect the values of a reputable organization like Freedom Mortgage, and I find it deeply distressing.

My efforts to negotiate a deed in lieu with the company seem unproductive, and I am feeling increasingly vulnerable as it appears there might be attempts to compromise my hard-earned VA entitlement . The emotional and financial distress caused by these experiences has been overwhelming for my family and me.

I kindly request that you look into this matter urgently. I appreciate your attention to this serious issue and hope for a resolution that honors my service and commitment as a veteran.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete reporting on my credit file with TransUnion. There are issues related to medical collections, missing or inconsistent data, and failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Specific Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX Reported with missing, incomplete, or inconsistent data.

Missing telephone number, activity date, and past due amount.

Inconsistent reporting of derogatory account status, account balance, and payment history.

Issues Identified : Inconsistent Reporting : Data is inconsistently reported across multiple credit bureaus, violating Metro 2 compliance standards.

Unverified Data : Failure to provide substantiated proof of the debt, including an itemized statement for the medical services, violating FCRA and FDCPA requirements.

Missing Data : Key information such as the telephone number, activity date, and past due amount is missing, which impacts the credibility of the reported data. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX XXXX 
2. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for the medical collection.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have led to negative impacts on my credit score, resulting in credit denials and higher interest rates.

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further action.

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 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The debt came from XXXX for my parents home on an insurance claim they were dealing with. This was entirely for my parents. I contacted the company gave them all my parents information. They could not get the communication they wanted to they proceeded to send the fee to collections in my name. The collection company was aware the debt was for my parent and refused to take it off my credit for 30 days after I pay the balance. This is not my debt. I did not request the service. I was advised by the debt collectors to file a police report. 

I have attached screenshots with the company which my mother is in the group chats. Shes also the homeowner.

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 2024-12-03 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was called by Wells Fargo supposed XXXX XXXX XXXX, They asked me if I would ID myself with my account number and social security number the whole number, I would give it because they called me on my cell number, I got in trouble giving my account number and ss number, The person at the bank was rude, I just them XXXX pages with double sided with my account number and she did not mention that .I sent it to XXXX XXXX I getting tired of sending more paper work they dont read it. I lost {$450000.00} and weas sent to a scammers

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 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
ECP has been saying I haven't been making payments and they know they double take my payments and pull out the pay/funds when XXXX money or little money in the XXXX account. 
I have a proven history of always making payments of not early on time. XXXX says ecp has a tendency to tell customers " did not receive payments " even they did to extract more money

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I asked the company to increase the withdrawal limit temporarily on my account to {$12000.00}, which was over my current account balance but I did it because I automatically have payments transferred over from another account and I wanted to be able to access the funds for a large purchase I am making today. 

I needed to access {$11000.00} and requested {$12000.00} just to be on the safe side and was denied. I then called them and they refuse to transfer me to anyone who can or will help, they also never sent me any checks, and are an online only bank. There is simply no way to access my funds and I am getting nowhere with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So I had a credit score of XXXX late in XXXX and looking at the history, or report of changes on the account it doesnt give any reason for the drop it shows shows the date XX/XX/XXXX and my score is XXXX but then it also shows Ive lost XXXX points since XX/XX/XXXX and there is no other changes on the reports! Ive tried talking to customer service and the special handling team ; To no resolve. They told me that the algorithms could be the reason for my score changing but I dont see how it could change that much and there not being any valid reason. Ive check my credit on multiple websites to make sure it wasnt a technical error but both are still showing the decrease in transunion score and cant give any reason the score dropped XXXX points. My credit has never dropped before and I havent had any foul play on my end so Im just concerned its a mistake and even if it was the score cant be changed Im being told. So if you could just help me get the reason for the TransUnion score dropping so drastically that would be a big relief for me. Cause Transunion cant give me any reason for the negative points being added to my score.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I was told there will be an account closure on XXXX XXXX. I was suppose to be paid XX/XX/year> XXXX from the XXXX. Chase claims they sent a letter of notice which I did not receive. I expressed that. I asked will I be able to transfer my funds, she said no we will send a check on the day of XXXX ( XXXX XXXX ). I called my XXXX  pay system to notify for an account change and issue. The XXXX pay system was waiting for the funds to be pushed back to them to chase supervisor saying the account will be closed and no funds can enter or exit the checking account. I called today XXXX XXXX about the same issue and was told the account closure is now XXXX XXXX instead which means they will send a check by XXXX. I am unable to pay rent and my car note due to the lack of education with the chase supervisors and employees. I was hung up on and disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX Account XXXX, has violated my rights XXXX XXXXXXXX Account XXXX, has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-12-04 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: FL

Complaint narrative:
While reviewing my consumer report I came across inaccurate and harmful information the following accounts that are being reported are violating my consumer right 's These accounts are being reported as a collection, I have no knowledge of these accounts they are a fraud, I have filed an Identity thief report with the federal trade commission. FTC REPORT XXXX the accounts are as follows ; XXXXXXXX XXXX  XXXX - COLLECTION/ CHARGEOFF. 
XXXX. XXXX COLLECTION/CHARGEOFF. 
XXXX. XXXX XXXX Late payment. 

Furthermore the following inaccurate and fraudulent address are also being reported on my consumer 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 Along with these inaccurate inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed all the above inaccurate information with the alleged creditors and the credit bureaus, put they have refused to answer my disputes. These Agencies HAVE NOT PROVIDED VALIDATION INFORMATION UNDER 12 CFR 100.34 ( b ) ( 5 ) BUT YET THEY PLACED A COLLECTION ON MY CONSUMER REPORT. 

Furthermore I was never given a chance to dispute these accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( 1 ). These alleged creditors and collection agencies have violated my consumer rights by using false and misleading and misrepresentation and deceptive tactics. The credit bureaus and collection agencies have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of the law 12 CFR 1006.34 ( d ) and 15 USC1681-S 2 ( 7 ) ( A ). I REQUEST ALL THE ABOVE INAACURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT BE DELETED 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 2024-12-04 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: FL

Complaint narrative:
While reviewing my consumer report I came across inaccurate and harmful information the following accounts that are being reported are violating my consumer right 's These accounts are being reported as a collection, I have no knowledge of these accounts they are a fraud, I have filed an Identity thief report with the federal trade commission. FTC REPORT XXXX the accounts are as follows ; XXXXXXXX XXXX  XXXX - COLLECTION/ CHARGEOFF. 
XXXX. XXXX COLLECTION/CHARGEOFF. 
XXXX. XXXX XXXX Late payment. 

Furthermore the following inaccurate and fraudulent address are also being reported on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed all the above inaccurate information with the alleged creditors and the credit bureaus, put they have refused to answer my disputes. These Agencies HAVE NOT PROVIDED VALIDATION INFORMATION UNDER 12 CFR 100.34 ( b ) ( 5 ) BUT YET THEY PLACED A COLLECTION ON MY CONSUMER REPORT. 

Furthermore I was never given a chance to dispute these accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( 1 ). These alleged creditors and collection agencies have violated my consumer rights by using false and misleading and misrepresentation and deceptive tactics. The credit bureaus and collection agencies have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of the law 12 CFR 1006.34 ( d ) and 15 USC1681-S 2 ( 7 ) ( A ). I REQUEST ALL THE ABOVE INAACURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not authorized inquiries in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This third party collections never successful contacted me or have accurate information to contact me about a debt before reporting on my credit. Then stop reporting after several months of inconsistent reporting on my credit resulting a negative remarks. Want to be removed and don't have the original agreement toward the debt reported on my credit. NCB management. No validation or have the original creditor agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Experian failed to do a proper investigation into a credit dispute. Instead they hastily came to a conclusion off of only the statement of the other company and did not take my uploaded documentation into consideration. This was after an initial investigation conculsion on XX/XX/XXXX and a re-investigation on XX/XX/XXXX. The investigations were in regards to XXXX where they were the credit lender of an item I never recieved. I reported this to the merchant ( in this case XXXX ), XXXX, and even the police. I then proceeded to follow all the instructions given from XXXX XXXX  XXXX. This was all included in the police report that they were given. The police report also indicated that the item was stolen. XXXX XXXX  XXXX stated that once the report was given, nothing further was needed and that the debt would be canceled. Instead XXXX continued to falsey report. When I noticed the negative effect on my credit I reached out. Upon doing so XXXX XXXX XXXX were mostly unresponsive of the issue, but when they did respond they blamed the other. Experian is aware of what i just stated. However, they are refusing to remove the debt of an item I never recieved. I believe there action is a violation of the consumer credit act as they did not conduct a proper inquiry. There failure to do so has lead to misleading information on my credit report and has affected my ability to recieve credit from lenders.

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